Is it worth having my file reviewed?

Worth it if you’re weighing two offers, a bank declined you, or you’re unsure what’s affordable. The review tells you what lenders will accept and what’s missing. On most residential files, no cost to you: the lender pays the broker.

Which documents should I gather?

Two latest notices of assessment, recent pay stubs, an employment letter, three months of bank statements and proof of your down payment. Add a list of your debts with balances and monthly payments. Having it all before you make an offer is what keeps a tight financing window realistic.

All calculators

Refinancing calculator

Compare your current payment with the new one, add the penalty and fees, and see how many months of savings it takes to recover them.

All calculators

Assumptions and rules used

The rules behind the calculations

The thresholds used (GDS and TDS ratios, qualifying rate, CMHC premiums, 9% tax) come from the sources below and are updated when the rules change.

CMHC: mortgage loan insurance and debt-service ratios OSFI: minimum mortgage qualifying rate Revenu Québec: tax on insurance premiums

These results are estimates for planning purposes only. They are not a mortgage approval, financing offer or financial advice. A lender or insurer may apply different criteria.

Tell Mathieu about your project

Buying, renewing, refinancing, or something a bit out of the ordinary: tell us where you’re at, even if it’s still fuzzy. Mathieu gets back to you with next steps and the documents to pull together.

Your request goes directly to Mathieu

Across Quebec, in French and English

No fee on most residential files

All calculators

Refinancing calculator

Compare your current payment with the new one, add the penalty and fees, and see how many months of savings it takes to recover them.

All calculators

Assumptions and rules used

The rules behind the calculations

The thresholds used (GDS and TDS ratios, qualifying rate, CMHC premiums, 9% tax) come from the sources below and are updated when the rules change.

CMHC: mortgage loan insurance and debt-service ratios OSFI: minimum mortgage qualifying rate Revenu Québec: tax on insurance premiums

These results are estimates for planning purposes only. They are not a mortgage approval, financing offer or financial advice. A lender or insurer may apply different criteria.

Tell Mathieu about your project

Your request goes directly to Mathieu

Across Quebec, in French and English

No fee on most residential files

Refinancing calculator

Your refinancing scenario

The rules behind the calculations

Tell Mathieu about your project

Refinancing calculator

Your refinancing scenario

The rules behind the calculations

Tell Mathieu about your project