Mortgage solution
First-time buyer
The trap in a first purchase isn’t the down payment. It’s what comes after: notary, welcome tax and moving all land within the same few weeks.
Before visiting homes
A preapproval built on verified documents gives you the real budget and holds a rate for 90 to 120 days. It assesses you, not the property, so a lender can still decline if the appraisal comes in under the price.
Pre-approval with context
The maximum approval isn’t always the right budget. Mathieu helps you set the lender’s ceiling against a household payment you can actually live with.
A cleaner offer process
Against competing offers, a shorter financing window reassures a seller as much as dropping the condition, and the risk stays off your shoulders. It only works if your documents are already gathered.
Documents to gather
What the lender will ask for.
- Down payment source
- Comfortable monthly payment
- Closing costs
- Credit profile
- Property type
- Offer timeline
Frequently asked
Which programs exist for a first purchase?
The Home Buyers’ Plan allows a tax-free RRSP withdrawal, the FHSA combines a deduction with a tax-free withdrawal, and tax credits exist federally and provincially. Confirm the current limits when you buy, since they change between budgets.
Current rates
Today’s rates, with the fine print.
These rates are indicative. Yours depends on your file, the type of mortgage (insured or not) and the lender. And look at the penalty too, it matters as much as the number.
Have your file reviewed before you commit.
Have my file reviewedFinancing types
Pick the situation closest to yours.
Contact
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