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Mortgage financing types

The main Quebec mortgage financing types, compared by project, borrower profile and level of risk.

13 results

Directories

Borrower profilesMortgage guides for self-employed borrowers, newcomers, variable income, retirees, business owners and non-standard income files.Challenging credit and mortgageGuides for mortgages after refusal, bankruptcy, consumer proposal, high debts, late payments, collections and damaged credit.First-time buyers and down paymentMortgage guides for first purchases, RRSP HBP, FHSA, family gifts, low down payment and proof of funds.Mortgage documentsGuides on income proof, down payment proof, gift letters, approval conditions and the other documents lenders ask for.Mortgage refinancing guidesGuides on refinancing for renovations, consolidation, investment, lower payments, paying off debt or taking out equity.Mortgage renewal guidesGuides on renewing with your bank, switching lenders, renewing early, consolidating, absorbing a payment increase or handling a fragile file.Mortgage situationsGuides for specific mortgage files: separation, bankruptcy, debts, variable income, bank refusal and tight deadlines.Private and alternative mortgage financingGuides on private mortgages, alternative lenders, exit plans, returning to a bank, notary deadlines and declined files.Real estate financingFinancing for homes, condos, plexes, cottages, rental buildings, renovations and real estate investment in Quebec.

Services

Home purchase mortgageBuying a home in Quebec: the real budget, the down payment and the conditions worth comparing before you make an offer.Mortgage refinancingMortgage refinancing: you can generally borrow up to 80% of the property value, and the penalty to exit sets the timing.Mortgage renewalMortgage renewal in Quebec: comparing before maturity costs nothing, and switching lenders at that point carries no penalty.

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