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25 or 30-year amortizationThirty years of amortization lowers the payment by about 8% compared with twenty-five, and adds tens of thousands in interest. Who qualifies, and when it’s worth it.30-year amortizationA 30-year amortization lowers the payment and raises the total cost. Who qualifies, and the two numbers to compare before you choose it.Agricultural zoning property mortgageIn protected agricultural zones, the permitted use and the acreage decide which lenders can finance, and which say no right away.Appraisal lower than purchase priceIf the appraisal comes in under the offer price, the lender finances the appraised value and you pay the gap in cash. Three ways to react before you lose the purchase.Asset sale down paymentSelling a car, a boat or investments to fund your down payment: the lender wants the sale contract and the matching deposit.Bad credit mortgageWith damaged credit, recent late payments weigh more than the score. What can be fixed fast, and what takes months.Bank or mortgage brokerYour bank sells one product: its own. A broker takes the same file to more than 25 lenders, several of which have no branch at all.Bank repossession purchase mortgageBuying a property repossessed by a bank: sold without legal warranty, often with no maintenance history and no seller declaration.Borrowed down paymentSome lenders accept a borrowed down payment, and the loan payment counts in your ratios. Here’s what that changes.Business owner mortgageA business owner’s income is judged on notices of assessment and financial statements, not bank deposits. How each lender does the math.Buy before selling a homeBuying before you sell: bridge financing or a sale-conditional offer. What each route really involves in cost and risk.CMHC declined mortgageCMHC said no? Sagen and Canada Guaranty use their own criteria. Here’s what can pass with them.CMHC mortgage insuranceUnder 20% down, the CMHC premium is added to the loan, and its 9% Quebec tax is paid in cash at the notary. The tiers, and what 20% saves you.Co-ownership mortgageFor undivided co-ownership, the lender list is short and the co-ownership agreement is required. The down payment and conditions to plan for.Commission or bonus income mortgageCommission and bonus income is averaged over two years, and a weaker recent year often sets the ceiling. How to present it well.Commission or bonus renewalRenewing on commission or bonus income: your current bank can renew without requalifying, while a new lender averages two years. What to have ready.Condo mortgage with low reserve fundA low condo reserve fund can get your mortgage declined. What lenders check, and how to review the building before you offer.Condo mortgage with weak associationA troubled condo syndicate (litigation, arrears or insurance problems) can block financing. How to check before you offer.Contract worker mortgageA contract renewed for two years reads almost like a salary. What a lender asks of a contract worker.Cottage mortgageCottage financing turns on year-round access, the heating system and the water source far more than on the property’s own value.Credit card debt consolidationRolling credit card debt into the mortgage: the cards paid off are named in the offer and paid by the notary. What it takes for the lower rate to really help.Crypto down paymentA crypto down payment has to be converted and deposited in a Canadian account, with the full trail. What the lender wants to see, and since when.Debt exit refinancingRefinancing to get out of expensive debt: the penalty, the fees, and whether the new payment is still an improvement once you count them.Declined renewal fileA declined renewal leaves you a few months before maturity. What to do, and in what order, so you’re not left without a lender.Disability income mortgageDisability income counts as stable income when it is long-term and documented. What the lender wants to see, and which lenders gross it up.Disability pension refinancingRefinancing on a disability pension: the income is stable, the amount is what limits the file. How lenders read it.Divorce mortgage without buyoutKeeping the house after a divorce without buying out your ex means both names stay on the mortgage. What the lender requires, and the risks for each of you.Down payment proofA lender has to trace your down payment over three months. A large unexplained deposit blocks a file more surely than a modest down payment does.Duplex mortgageDuplex financing: lenders count only part of the rent, and living in one of the units lowers the down payment you need.Early mortgage renewalRenewing early: the penalty to break the current term against the rate gap. The math that tells you whether it’s worth it.Equity take-out refinancingPulling equity out caps at 80% of the value set by the lender’s appraiser, not the price you paid. What that works out to.Estate mortgageFinancing a property still held in an estate: the settlement has to move forward and the title be transferred before anything else.Exit a B lender mortgageLeaving a B lender for a bank means showing what’s changed since you went in: on-time payments, rebuilt credit, stable income. The timing and the cost.Exit a private mortgageGetting out of a private loan before maturity: the private lender’s penalty, the new loan’s fees, and what a regular lender wants to see since you went in.FHSA for first-time buyersThe FHSA gives $8,000 a year in deductible contributions, withdrawn tax-free for a first purchase. How it combines with the HBP.First-time buyer condo purchaseFirst condo: the amount a lender approves and the payment you can live with are rarely the same number. Set the second one first.Five-plus-unit mortgageFrom five units the file turns commercial: the building’s own income carries it, not your personal salary. What changes.Fixed or variable mortgage rateFixed or variable: the payment, but mostly the penalty if you sell before the end of the term, which isn’t calculated the same way.Foreign income mortgageIncome earned outside Canada counts with few lenders. Which ones accept it, and on what terms.Foreign-source down paymentFunds from abroad need proof of the transfer and of their origin. What the lender wants to see, and how long the money has to have been here.Four-season cottage mortgageA four-season cottage finances almost like a house if the road is open year-round, the water is drinkable and the heating is permanent. What the lender checks.Gift letter mortgageThe gift letter has to say who is giving, how much, and that the amount is not repayable. The wording lenders accept, and what gets it rejected.Gifted down paymentA family gift works as a down payment with a letter from the donor saying it isn’t repayable. What blocks a file is a deposit that can’t be traced.HELOC or refinancingA HELOC gives you access to equity with no penalty, at a variable rate. A refinance locks in a rate and a payment. Which fits depends on what the money is for.High debt mortgageWith heavy debts, your ratios after repayment are what count. Here is how a lender recalculates them.Incorporated business owner mortgageWhen you are incorporated, you pick what you pay yourself. The lender picks what to count: salary, dividends or company earnings. What that does to your file.Incorporated owner refinancingRefinancing as an incorporated owner: lenders read salary, dividends and retained earnings differently. Which reading leaves you the most room.Incorporated owner renewalRenewing as an incorporated owner: your current bank doesn’t requalify you, but a new lender reads two years of company statements. What to have ready.Inheritance mortgageBuying out co-heirs to keep the family home: the financing gets lined up before the division is signed, not after.Insured or conventional mortgageInsured, the rate is often lower but the premium is added and amortization caps at 25 years. Conventional needs 20% in cash. The math, on equal assumptions.Intergenerational home mortgageIntergenerational homes: zoning conformity and how the second unit is used decide which lenders can finance the property.Investment refinancingRefinancing to invest: the interest can become deductible, but only if the money is traceable in a separate account from day one.Land financingBuying land rarely finances like buying a house: bigger down payment, fewer lenders, and terms that hinge on services and zoning.Mixed residential and commercial lease mortgageA building with a shop on the ground floor leaves residential lending with few lenders. How much commercial space is tolerated, and the effect on your down payment.Mixed-use property mortgageA half-commercial, half-residential building is financed according to the share of each use. The threshold past which it becomes a commercial loan.Mobile home mortgageMobile home financing turns on one question: do you own the land or rent it? The answer decides which lenders will even look at your file.Mortgage after bankruptcyAfter a bankruptcy, the file turns on the time since discharge and the credit you have rebuilt since, not on the bankruptcy itself.Mortgage after consumer proposalAfter a consumer proposal, time since discharge and the credit you have rebuilt since decide which lenders accept the file.Mortgage after discharged consumer proposalAfter a discharged consumer proposal, the time since discharge and the credit rebuilt since decide which lenders accept the file.Mortgage after foreclosureAfter a foreclosure, lenders count the years since and the credit you have rebuilt. What is possible, and when.Mortgage after job lossAfter a job loss: what is still possible with your current lender, and the one call worth making before you miss a payment.Mortgage after property damageAfter property damage, the lender wants the insurance report and proof that repairs are finished before it finances.Mortgage after return to workBack at work after a leave: the lender wants your employer’s letter confirming the position and, often, a first pay stub. What counts from day one.Mortgage after separationAfter a separation: qualifying alone, taking an ex-spouse off the loan, and how support payments count in the calculation.Mortgage after spouse deathAfter a spouse’s death, the mortgage continues but the lender needs the estate documents to know who signs. What to send, and in what order.Mortgage approval conditionsTwo lenders at the same rate can end up thousands of dollars apart if you break the term. The conditions to read before you sign.Mortgage declined by insurerA decline from the mortgage insurer isn’t a decline from the lender. Your options: another insurer, or 20% down.Mortgage prepaymentsMost lenders let you prepay 10% to 20% of the original balance each year without penalty. How the privilege works, and what it is worth over a term.Mortgage renewal without employmentWithout a job at renewal, your current bank can renew without requalifying; another lender cannot. The options.Mortgage when buying with parentsBuying with your parents: co-borrowers on title or simple guarantors. The two structures give neither the same capacity nor the same obligations.Mortgage with collectionsA collection account usually has to be settled before funds are released. What lenders require, and the order to act in.Mortgage with cosignerA co-signer is liable for the entire loan, and it shows on their own credit file. What that really means for both of you.Mortgage with credit judgmentA judgment on your credit report gets settled before or at funding. How lenders treat it.Mortgage with easementAn easement passes if the location certificate describes it. What gives a lender pause, and what doesn’t bother them.Mortgage with end-of-life roofAn aging roof doesn’t sink a file, but the lender will want to know when it gets replaced and who is paying for it.Mortgage with family-occupied rental unitA unit rented to a family member is treated as at-risk rent: several lenders count half of it, others none. What you need to show.Mortgage with problem inspectionAn inspection that turns up problems: renegotiate, repair or walk away. What a lender actually takes from that report.Mortgage with property title disputeA title dispute pushes most lenders back until it is settled. What the notary has to confirm first.Mortgage with pyrite or iron ochrePyrite or iron ochre: a documented, repaired problem can be financed. An untested suspicion is what stalls files. What to test first.Mortgage with recent late paymentA recent late payment weighs far more than an old one. What lenders actually look at, and how to steady the file again quickly.Mortgage with registered private lenderA private lender already registered on title ranks before or after the new loan. That rank decides who agrees to refinance, and at what cost.Mortgage with unpaid property taxesUnpaid municipal taxes must be settled at funding, and the city ranks ahead of the lender. What the notary checks.Mortgage with verbal leaseA verbal lease is legal, but lenders won’t count the rent without paper: deposit records, a TAL form or a tenant declaration.Mortgage without cosignerQualifying without a cosigner rests on your own ratios. What to fix first, and which lenders are kindest to a thin file.Mortgage without recent notice of assessmentNo recent notice of assessment? Some lenders take a filed return plus proof of filing, others make you wait. What stands in, and for how long.Multigenerational home mortgageA multigenerational home is financed like a single-family home if the second unit is legal. What the lender asks for to count income from it.Multiple employer mortgageTwo or three employers at once: each income counts if it has lasted, and the lender wants a letter and pay stubs from each. What holds up, what doesn’t.New construction mortgageNew construction is funded in draws as the build moves forward, not in one advance at the notary. What to plan for between stages.New job mortgageA new job doesn’t block a purchase if the offer letter is clear and the field is the same. What the lender wants to read in it.Newcomer home purchase mortgageWith no Canadian credit history, a lender judges the file on status, employment and down payment. Programs exist for exactly that.Newcomer mortgage renewalRenewing as a newcomer: the credit history you’ve built since arriving is what a new lender reads. What to have, and when staying put is simpler.Newcomer with foreign down paymentA newcomer with funds from abroad: proof of the transfer, origin of the funds, and a Canadian account held at least 30 days with most lenders.Newcomer without credit historyNo Canadian credit history yet: newcomer programs judge the file on immigration status, local employment and down payment. What each one requires.Non-conforming multigenerational home mortgageA secondary unit built without a permit doesn’t exist for the lender: no rent counted, and sometimes a condition to bring it up to code. The options.Non-family gifted down paymentA gift from a friend or a third party is accepted by few lenders and by no insurer. What can pass, and in what form.Non-resident mortgageA non-resident can buy in Quebec with 35% down and a short list of lenders. What is required, and the foreign-buyer rules to check first.Open or closed mortgageOpen, you repay whenever you want, at a higher rate. Closed, the rate is lower and the penalty exists. Which one fits your plans.Owner-occupied plex mortgageLiving in your plex opens 5% or 10% down depending on the number of units, against 20% for an investor. What the lender counts from the rent.Parental leave mortgageBuying on parental leave: with an employer letter confirming your return, many lenders qualify you on your salary, not benefits.Plex with vacant unit mortgageA vacant unit counts as no rent with most lenders. How the lender treats it, and what a lease signed before funding changes.Portable mortgageA portable mortgage moves to the next property without penalty, provided you requalify. What that is worth if you might move during the term.Prequalification documentsThe document list for a prequalification, and why a statement missing one page sends the file back for clarification.Prequalification or preapprovalA prequalification is an estimate from what you say; a preapproval is a lender’s decision on verified documents, with a rate held 90 to 120 days.Private mortgage after bank refusalAfter a bank decline, a private loan solves the short term at a high cost. When it makes sense, and the plan to get out within two years.Private mortgage exit planA private loan with no exit plan settles in. What has to change, by when, and what the move back to a bank costs: written down before signing.Private mortgage for closing deadlineWhen the notary is ten days away and the bank isn’t moving, a private loan can close the deal. What it costs, and how to replace it afterwards.Private or alternative lenderAn alternative lender is an institution with broad criteria; a private lender is an individual or a fund. They don’t cost the same or serve the same files.Probationary employment mortgageBuying while on probation: many lenders approve if you stayed in the same field. What makes the difference in your file.Purchase after prequalification declineA prequalification decline comes down to one criterion: ratio, income or credit. Knowing which tells you what is possible, and with whom.Purchase with inspection issueWhen the inspection turns up a problem, the lender reassesses the property, not you. Structure, roof and water infiltration worry them; cosmetics don’t.Purchase with multiple offersMultiple offers: a solid preapproval and a shorter financing window strengthen your bid without dropping your protection.Purchase with occupancy delayDeferred occupancy: your payments begin at the notary disbursement, not on the day you actually move into the new property.Purchase with quick closingA quick closing comes down to a complete file from day one. What takes time is the appraisal and the notary, not the analysis.Purchase with sale conditionAn offer conditional on selling your own home: the 72-hour escape clause can force a decision far sooner than you planned.Purchase with short financing conditionA five-day financing condition is workable if the documents are already gathered. What to have before making the offer.Purchase with tight budgetOn a tight budget, closing costs and the reserve several lenders want left after the transaction matter as much as the down payment.Purchase without financing conditionWaiving the financing condition carries real risk: a preapproval covers you, not the property. What to confirm before you sign.Quadruplex mortgageFour units is the edge of residential financing. One more and the file becomes commercial, with different rules and lenders.Refinancing after payment increaseA payment that has jumped: stretching the amortization through a refinance lowers it and raises the total cost. Both numbers, before you decide.Refinancing documentsMortgage statement, written penalty, tax bill, notices of assessment. The penalty on paper often differs from the one quoted over the phone.Refinancing to lower paymentsA longer amortization lowers the payment but raises the total cost. Get both numbers before you decide.Refinancing to pay consumer proposalPaying off a consumer proposal through a refinance ends it early and starts the credit rebuild sooner. Which lenders do it, and at what rate.Refinancing to pay mortgage penaltyRolling the penalty into the new mortgage means financing it over 25 years, at interest. When the rate gap still covers it, and when it does not.Refinancing with notice of exerciseA notice of exercise on title means the lender has started to enforce. What can still be refinanced, with whom, and how fast it has to move.Renew or refinanceRenewing keeps the balance; refinancing changes it and reopens the file. Which suits your project, and what each one costs.Renewal after payment increaseA payment that jumps at renewal: stretch the amortization, switch lenders or refinance. The three options with numbers.Renewal after private mortgageMoving from a private loan to a regular lender means showing what has changed since you went in. What the lender wants to see.Renewal documentsIf you switch lenders, the new one starts from scratch: current proof of income, mortgage statement, tax bill. What to have four months before maturity.Renewal switching lendersSwitching lenders at maturity costs no penalty, but the new lender reassesses everything. What to plan for a transfer.Renewal with damaged creditWith damaged credit, your bank can renew without requalifying. Switching lenders reopens the file. What to weigh.Renewal with debt consolidationConsolidating debts at renewal means refinancing, and therefore requalifying. What the lender recalculates.Renewal with high balanceWith a high balance, a 0.5% rate gap at renewal adds up to thousands over the term. What is worth negotiating.Renewal with the same bankStaying with your bank at renewal spares you a new qualification, at the cost of the rate you did not negotiate. How to get leverage.Renovation refinancingFinancing renovations by refinancing: up to 80% of value, minus the balance, minus the penalty. The math before comparing two monthly payments.Rental condo mortgageFinancing a condo you will rent out: at least 20% down, only partial credit for the rent, and declaration limits on leasing.Rental income mortgageThe share of rent a lender counts ranges from 50% to 100%, and some subtract it from expenses rather than add it to income. On the same building, the gap is huge.Rental income refinancingRefinancing a rental: the appraiser values on market rent and comparables, and the lender counts part of the leases. What that gives you in equity.Rental income renewalRenewing a rental mortgage: your current lender keeps you without requalifying; a new one reads the leases and the expenses again. What to have ready.Retirement mortgage renewalRenewing in retirement: the income is stable, and most lenders accept an amortization that runs past retirement age. What limits the file is the amount, not the age.Retirement or pension mortgageMortgages in retirement: pension income is stable and well received, but age can shorten the amortization a lender will offer you.Retirement refinancingRefinancing in retirement: pensions and investment withdrawals count if they can last. How lenders read them, and up to what amount.Return to a bank after alternative lenderGetting from an alternative lender back to a bank is prepared from the day you sign: what has to be settled, and by when, to requalify.Return to a bank after private mortgageReturning to a bank after a private loan means showing what has changed: on-time payments, rebuilt credit, stable income. When it becomes possible.RRSP Home Buyers’ PlanThe HBP lets you withdraw up to $60,000 from your RRSPs for a first purchase, tax-free, repaid over fifteen years. What the lender asks for as proof.Rural property mortgageOn rural property, acreage, outbuildings and the lack of comparables often weigh more with a lender than the house’s own value.Seasonal income mortgageSeasonal income mortgages: lenders want two years of the same cycle, including employment insurance between seasons. What to provide.Self-build mortgageBuilding it yourself narrows the lender list: with no general contractor on the contract, perceived risk rises and terms tighten.Self-employed mortgage documentsNotices of assessment, full T1s, financial statements: the documents a lender requires from a self-employed borrower, and the order to gather them in.Self-employed plex purchaseSelf-employed and buying a plex: the income counted comes from your notices of assessment, and part of the rent is added to it. Both calculations, lender by lender.Self-employed private mortgageA self-employed borrower whose returns do not support the loan can go private. What it costs, and how to return to a bank once the income is declared.Self-employed refinancingRefinancing as a self-employed borrower: two years of notices of assessment set the income, and the appraisal sets the ceiling. What each lender adds back.Self-employed renewalRenewing as a self-employed borrower: your current bank does not requalify you, a new lender reads two years of returns. What to have ready.Septic and well property mortgageSeptic and well properties: water potability and septic conformity are standard financing conditions. Plan for them at the offer stage.Short-term private mortgageA private loan for six to twenty-four months. Set-up and brokerage fees often cost more than the rate does. Look at the total, not the payment.Short-term rental condo mortgageLenders rarely credit Airbnb income, and the city or the syndicate may ban short-term rentals outright. What that does to your financing.Short-term rental income mortgageFew lenders count Airbnb income, and only with two years of tax returns. How it gets read, and by whom.Single-family home mortgageBuying a house: the real budget once taxes, heating and insurance join the payment, and how much time to leave between the offer and the notary.Single-family home purchaseBuying a house: the real budget once taxes, heating and insurance are added to the payment, and how much time to allow before the notary.Six-unit building mortgageSix units means commercial financing: the lender looks at the building and its coverage ratio before your income. What that does to the down payment and fees.Spousal equity buyoutBuying out an ex-spouse can be financed up to 95% of the property value, an exception to the usual 80% refinance ceiling.Support payment home purchaseSupport you receive counts as income if a judgment or written agreement sets it and it has been paid for several months. Support you pay counts as debt.Support payment mortgageSupport you pay enters your ratios like a debt. Support you receive counts as income if it’s court-ordered and paid regularly. How each lender reads it.Tax debt mortgageAn unpaid tax balance can become a legal hypothec and stop financing cold. What needs clearing before you even apply.Tax debt refinancingPaying a tax debt through a refinance: the lender makes Revenu Québec and the CRA get paid from the funds, and works from the official statement.Temporary resident mortgageOn a work permit, several lenders finance with 10% down and a permit valid beyond closing. What they ask for, and which insurers follow.Three-season cottage mortgageA three-season cottage shrinks the lender list fast: bigger down payment, higher rate, sometimes no insurer. The options left.Tiny home mortgageA tiny home on a permanent foundation can be financed like a house. On wheels, it’s a personal loan. What makes the difference to a lender.Tip income mortgageTips only count if you declared them. What that changes, and what you’ll need to show.Triplex mortgageTriplex financing turns on the gap between rents collected and the building’s real operating costs, not on the purchase price.Undivided co-ownership mortgageUndivided co-ownership is financed by few lenders and usually needs a bigger down payment than a divided condo. What to expect.Urgent closing mortgageUrgent financing before the notary date: what’s still possible when only a few days are left to pull it all together.Variable income home purchaseCommissions, variable hours, contracts: how a lender averages income that moves, and why two lenders land on very different amounts for the same file.Variable income refinancingRefinancing on variable income: the lender averages two years of returns, and a year that dipped weighs more than one that rose. What that leaves you.Variable income renewalRenewing on variable income: your current bank doesn’t requalify you, a new lender averages two years. What to have ready before you shop around.Waterfront property mortgageWaterfront property: insurability usually decides the file. No flood coverage, generally no mortgage financing.

Discover

About Mathieu St-Onge, mortgage brokerPurchase, refinance, investment property: Mathieu St-Onge compares mortgage options against your actual file, not a template.Mission and valuesHow Mathieu compares offers, tells you where they fall short and follows the lender’s conditions until signing.Mortgage broker costsHow the broker gets paid, and the few cases where fees can apply.Why use a mortgage broker?What you gain by having several lenders compared instead of walking into one bank.Your mortgage teamMathieu St-Onge and the lender network he works with on mortgage files across Quebec.

Information

AccessibilityWhat is being done to make the website’s content and services accessible.ComplianceInformation on professional obligations and how mortgage services are kept compliant.DisclosuresProfessional disclosures and useful information about mortgage services.Frequently asked questionsThe questions people ask before they know which page to read: cost of the service, documents, timing, down payment, declines, renewal.Privacy policyHow information sent to Mathieu St-Onge is collected, used, protected and kept.Terms of useThe terms that apply when you use the website, its indicative rates and its public calculators.

Services

Alternative mortgageB lenders and alternative lenders compared, for when the bank refuses or limits the file.Bridge financingBridge financing covers the gap between two notary closing dates, as long as your own sale is already firm and signed.Commercial mortgageCommercial mortgages: the building and its own income carry the file, not your personal salary. What changes and what lenders check.Condo mortgageCondo mortgages: the lender examines the syndicate’s finances as closely as yours. Which documents to ask for first.Credit rebuildingDocument recent payments, bring balances down and pick a lender that accepts your credit profile.Debt consolidationConsolidating debt into a mortgage lowers the monthly payment, but stretching a short balance over 25 years costs more overall.First-time buyerFirst-time buyers in Quebec: the real budget, available programs and every cost that lands beyond the down payment.Flip financingFlip financing is a short-term product. The exit has to be planned before you even make an offer on the property.Home equity line of creditA home equity line gives you real flexibility, but the balance only goes down if you decide to pay it down yourself.Home purchase mortgageBuying a home in Quebec: the real budget, the down payment and the conditions worth comparing before you make an offer.Low down payment purchaseCompare the options available when your down payment is limited.Mortgage after bank refusalAfter a bank declines, the exact reason decides whether the fix takes weeks or calls for a different lender.Mortgage pre-qualificationMortgage prequalification: know your real budget, spot the blockers early and protect a rate before you start viewing homes.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.Newcomer mortgageNewcomers to Canada: several lenders run dedicated programs for buyers who haven’t built any Canadian credit history yet.Plex mortgagePlex mortgages: living in one unit lowers the down payment required, and five units move the whole file to commercial rules.Private mortgagePrivate mortgage financing: a short-term tool where the exit plan matters far more than the rate. What to settle before signing.Purchase plus renovationsPurchase plus renovations: financing the work inside the mortgage takes contractor quotes and a staged release of funds.Rental buildings and projectsRental buildings and projects: read the file the way a lender reads it, without overstating the rents you actually collect.Rental property mortgageFinancing a rental property: only part of the rent counts, and declared income weighs far more than the lease on its own.Reverse mortgageWhat a reverse mortgage offers, where it stops, and what it costs. Read this before you talk to a lender.Second home mortgageSecond homes and cottages: year-round access and how you’ll use the place decide which lenders can finance it.Self-employed mortgageSelf-employed mortgages: lenders use the income on your tax assessments, not what the business takes in.Variable income mortgageCommissions, bonuses, contracts and irregular pay: how to document them the way lenders calculate them.

Guides

B lender or alternative lenderWhen an alternative lender makes sense, and how to plan the way back out.Buying a condo in QuebecWhat to check on a condo before the financing goes through.Checklist before property visitsWhat to sort out before visiting and making an offer.Credit score and mortgageHow your credit changes the review and the lenders open to you.Documents for mortgage pre-qualificationWhich documents speed up a mortgage review, and which ones lenders ask for twice.Financing a plexHow rents, ratios and paperwork affect the purchase of a plex.First-time buyer in QuebecWhat to understand before shopping for a first property in Quebec.Fixed or variable rateStability, flexibility, risk and penalties: compare them before you pick.Minimum down payment in QuebecThe basics on down payments, by price range and type of property.Mortgage penaltyKnow the penalty before you refinance, sell or renew.Mortgage renewal: what to compareWhat to check before accepting your bank’s renewal offer.Private mortgage risksThe role, costs and limits of private lending, and what to compare before you sign one.Refinancing to consolidate debtWhen consolidating debt helps, and when it costs too much.Self-employed mortgage: how to present your incomeHow to present self-employed income in a mortgage file.What to do after a bank refusalReview the file step by step and see what options remain.

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.Cities servedFinancing requirements by city: property, comparables, appraisal, timing and lenders.Financial newsFinancial, economic and mortgage news to keep an eye on the market.First-time buyers and down paymentMortgage guides for first purchases, RRSP HBP, FHSA, family gifts, low down payment and proof of funds.Loan optionsMortgage profiles and financing options for standard and complex files.Mortgage blogArticles on mortgage costs, documents, lender conditions and deadlines in Quebec.Mortgage documentsGuides on income proof, down payment proof, gift letters, approval conditions and the other documents lenders ask for.Mortgage financing typesThe main Quebec mortgage financing types, compared by project, borrower profile and level of risk.Mortgage ratesIndicative rates, read alongside term, penalty, prepayment privileges and lender conditions.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 resourcesGuides and resources to help you understand mortgage financing.Mortgage servicesThe mortgage services Mathieu St-Onge offers across Quebec.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.Quebec mortgage calculatorsEstimate mortgage payments and borrowing capacity with Canadian semi-annual compounding, CMHC insurance and core qualification ratios.Real estate financingFinancing for homes, condos, plexes, cottages, rental buildings, renovations and real estate investment in Quebec.Regions servedRemote mortgage service for Quebec regions, with the property and lender requirements that apply there.

Contact

Contact a Quebec mortgage brokerCall or write to Mathieu St-Onge, mortgage broker in Quebec. Quick reply in English or French.Request a quoteAsk for a first mortgage review. Tell Mathieu what you’re trying to do and he takes it from there.

Calculators

Debt consolidation calculatorFind out whether consolidating really helps your budget, or just turns short debts into a long-term cost.Fixed vs variable calculatorWeigh stability, flexibility, penalty exposure and how much risk you can stomach before choosing a rate structure.Mortgage borrowing capacity calculatorEstimate what you can borrow with the qualifying rate, GDS and TDS ratios, debts, taxes, heating and 50% of condominium fees.Mortgage payment calculatorEstimate the payment, CMHC insurance and the balance at the end of the term, using the Canadian semi-annual compounding convention applied to Quebec mortgages.Mortgage penalty calculatorKnow the penalty before you sell, refinance or switch lenders, so it doesn’t catch you off guard.Refinancing calculatorCompare the new balance, penalty, fees, payment and your goal before tapping into your home equity.

Rates

Fixed mortgage rateThe rate stays put for the whole term, and so does the payment. What remains to check is what it costs to get out early.Prime ratePrime isn’t a rate you get. It is the reference that variable rates and home equity lines are calculated from.Rate alertsFollow rate movements without rushing a decision: the right offer still depends on your file, the term and the conditions.Variable mortgage rateThe rate follows prime, up and down. What matters is how your payment reacts when it moves, and what it costs to leave.

Regions

Mortgage broker - Abitibi-TémiscamingueRemote mortgage broker for Abitibi-Témiscamingue: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Bas-Saint-LaurentRemote mortgage broker for Bas-Saint-Laurent: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Capitale-NationaleRemote mortgage broker for Capitale-Nationale: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Centre-du-QuébecRemote mortgage broker for Centre-du-Québec: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Chaudière-AppalachesRemote mortgage broker for Chaudière-Appalaches: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Côte-NordRemote mortgage broker for Côte-Nord: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - EstrieRemote mortgage broker for Estrie: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Gaspésie-Îles-de-la-MadeleineRemote mortgage broker for Gaspésie-Îles-de-la-Madeleine: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Grand MontréalRemote mortgage broker for Grand Montréal: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - LanaudièreRemote mortgage broker for Lanaudière: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - LaurentidesRemote mortgage broker for Laurentides: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Laval RegionRemote mortgage broker for Laval Region: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - MauricieRemote mortgage broker for Mauricie: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - MontérégieRemote mortgage broker for Montérégie: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Montréal RegionRemote mortgage broker for Montréal Region: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Nord-du-QuébecRemote mortgage broker for Nord-du-Québec: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - OutaouaisRemote mortgage broker for Outaouais: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Rive-NordRemote mortgage broker for Rive-Nord: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Rive-SudRemote mortgage broker for Rive-Sud: how lenders compare, what documents they ask for, and what the property itself has to satisfy.Mortgage broker - Saguenay-Lac-Saint-JeanRemote mortgage broker for Saguenay-Lac-Saint-Jean: how lenders compare, what documents they ask for, and what the property itself has to satisfy.

Cities

Mortgage broker in AlmaMortgage broker in Alma for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in AmquiMortgage broker in Amqui for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Baie-ComeauMortgage broker in Baie-Comeau for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in BeloeilMortgage broker in Beloeil for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in BlainvilleMortgage broker in Blainville for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in BouchervilleMortgage broker in Boucherville for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in BrossardMortgage broker in Brossard for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in CandiacMortgage broker in Candiac for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in ChamblyMortgage broker in Chambly for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in ChâteauguayMortgage broker in Châteauguay for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in CowansvilleMortgage broker in Cowansville for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Dolbeau-MistassiniMortgage broker in Dolbeau-Mistassini for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Dollard-des-OrmeauxMortgage broker in Dollard-des-Ormeaux for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in DonnaconaMortgage broker in Donnacona for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in DrummondvilleMortgage broker in Drummondville for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in GaspéMortgage broker in Gaspé for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in GatineauMortgage broker in Gatineau for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in GranbyMortgage broker in Granby for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in JolietteMortgage broker in Joliette for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in KirklandMortgage broker in Kirkland for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in La PrairieMortgage broker in La Prairie for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in La TuqueMortgage broker in La Tuque for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in LavalMortgage broker in Laval for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in LévisMortgage broker in Lévis for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in LongueuilMortgage broker in Longueuil for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in MagogMortgage broker in Magog for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in MascoucheMortgage broker in Mascouche for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in MataneMortgage broker in Matane for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in MirabelMortgage broker in Mirabel for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Mont-LaurierMortgage broker in Mont-Laurier for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Mont-TremblantMortgage broker in Mont-Tremblant for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in MontmagnyMortgage broker in Montmagny for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in MontréalMortgage broker in Montréal for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Pointe-ClaireMortgage broker in Pointe-Claire for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in QuébecMortgage broker in Québec for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in RepentignyMortgage broker in Repentigny for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in RimouskiMortgage broker in Rimouski for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Rivière-du-LoupMortgage broker in Rivière-du-Loup for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Rouyn-NorandaMortgage broker in Rouyn-Noranda for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in SaguenayMortgage broker in Saguenay for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Saint-EustacheMortgage broker in Saint-Eustache for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Saint-GeorgesMortgage broker in Saint-Georges for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Saint-HyacintheMortgage broker in Saint-Hyacinthe for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Saint-Jean-sur-RichelieuMortgage broker in Saint-Jean-sur-Richelieu for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Saint-JérômeMortgage broker in Saint-Jérôme for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Saint-SauveurMortgage broker in Saint-Sauveur for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Sainte-JulieMortgage broker in Sainte-Julie for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Sainte-MarieMortgage broker in Sainte-Marie for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Sainte-ThérèseMortgage broker in Sainte-Thérèse for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Salaberry-de-ValleyfieldMortgage broker in Salaberry-de-Valleyfield for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Sept-ÎlesMortgage broker in Sept-Îles for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in ShawiniganMortgage broker in Shawinigan for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in SherbrookeMortgage broker in Sherbrooke for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Sorel-TracyMortgage broker in Sorel-Tracy for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in TerrebonneMortgage broker in Terrebonne for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Thetford MinesMortgage broker in Thetford Mines for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Trois-RivièresMortgage broker in Trois-Rivières for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Val-d’OrMortgage broker in Val-d’Or for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in Vaudreuil-DorionMortgage broker in Vaudreuil-Dorion for purchases, renewals, refinancing and the files that don’t fit the usual mold.Mortgage broker in VictoriavilleMortgage broker in Victoriaville for purchases, renewals, refinancing and the files that don’t fit the usual mold.

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

Website

Step 1 of 3 — Your project

What is your project?

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Use

Timeline

Project city or region

Talk to Mathieu directly.

[email protected]514.797.7817 mathieust-onge.com

Across Quebec
South Shore, North Shore, Montreal, Laval, Quebec City

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MATHIEU ST-ONGE — Certificate No.: 259508 — AUTHORIZED PRACTICE: MORTGAGE BROKERAGE — CLOUTIER SERVICES HYPOTHÉCAIRES — Registration No.: 605449 · © 2026