Mortgage solution
Home purchase mortgage
Before you start viewing, two numbers matter: what a lender approves and what you can comfortably pay. They are rarely the same.
Before making an offer
A preapproval built on verified documents gives the real budget and holds a rate for 90 to 120 days. It covers you, not the property, so a lender can still say no on a low appraisal.
Compare the full offer
At the same rate, two offers can be thousands apart if you have to break the term. The penalty, the prepayment privileges and portability shape the real cost as much as the percentage.
From first call to notary
The file is organized so the realtor, lender, insurer, notary and client all know what still needs confirming at each step.
Documents to gather
What the lender will ask for.
- Down payment source
- Income documents
- Monthly comfort zone
- Credit profile
- Property type
- Offer and notary timeline
Frequently asked
What should I budget beyond the down payment?
Notary fees, inspection, insurance and tax adjustments come out of your own cash. The welcome tax arrives a few months after closing, and it is the cost buyers forget most. Many lenders also want a reserve left afterward.
Should I get reviewed before visiting homes?
Yes. A clear review keeps you from shopping with a fragile budget or missing documents that could weaken the offer.
Is pre-approval the same as final approval?
No. Final approval still depends on the property, the insurer or lender conditions and updated documents.
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