× Our work Why it's free Our clients About us Our calculators Our tips & tricks Our rates Application Contact us Alert Become a Broker
Alec Schmidt

Alec Schmidt

Trainee in mortgage brokerage


(514) 262-0351

173A, boul. Saint-Jean-Baptiste , #4
Châteauguay, QC
J6K 3B4

Affordability 101: tips for future homeowners

AFFORDABILITY 101: TIPS FOR FUTURE HOMEOWNERS Always dreamt of owning a home but confused by all that complex real estate lingo? Don't worry, we’re here to help! Today we’re going...

Read More
Find out how to calculate the mortgage you can afford

First of all, it is important to differentiate between the maximum sum that you can afford and the maximum sum permitted by banking and government regulations. In reality, even if financial...

Read More
All you need to know about subsidy programs that make homeownership easier!

Over the past few years, housing affordability has become a forgotten dream for some. The advent of the COVID-19 pandemic, the fluctuations of the economy linked to this same pandemic - but also...

Read More
Making sense of a pre-qualification and a pre-authorization

Thinking of buying a property? You must first find out how much you can actually afford to pay for this important purchase. Your financial institution (or lender) must take many factors into...

Read More
Key factors for mortgage approval

Getting ready to start looking for a property? To do so, you will need a mortgage pre-approval. Although this is the maximum amount you could get, it does not guarantee that you will obtain a proper...

Read More
The friendly guide of costs related to buying a property

For those looking to find out the costs related to buying a property, here is an example: Scenario: $275,000 home with a 5% down payment Standard rate: 95% financing: 4.00% 90%...

Read More

You want to buy a house, but don’t have the required 20% down payment. This is when you are offered the CMHC loan insurance. But what is the CMHC?  Why do we offer this insurance?  Is...

Read More
Becoming a homeowner with an income property - something to think about!

Before buying a house with rent income, you must consider several key points. The Mortgage Planners team invites you to consider both sides of the coin. Advantages An extra, steady income The...

Read More
Incentive programs and measures available for the purchase of a property

Are you considering buying a house or a condo? Are you wondering if there are incentive programs and measures available and tailored to your financial situation? The first thing to do is to reach out...

Read More
Buying a home when you’re new to Canada: It’s easier than you think!

Are you new to Canada and think that buying a home is out of reach? Think again! With good planning and sound advice from real estate and mortgage brokers, it can be done. Common myths New...

Read More
Discover CMHC's "Homebuying Step by Step" Guide

Canada Mortgage and Housing Corporation is giving you a guide for everything you need to buy a home in Canada.This workbook provides worksheets, calculators and checklists for each step in the...

Read More
Buying your first home? 5 mistakes to avoid

Looking for your first home? What exciting project! At Mortgage Planners, we have your best interests at heart. Therefore, we want to warn you against the most common mistakes made by our...

Read More
The HBP – your ally when purchasing your first property

The down payment required to purchase your first property is often a daunting financial headache. But did you know that the Home Buyers' Plan (HBP) can be a feasible solution to obtain the required...

Read More
Tips for improving your credit rating

You've been thinking about starting the process of buying your first home in the next few months and you're concerned about the viability of your credit rating. Is your concern caused by poor credit...

Read More
Buying a new home? You may be eligible for a GST and QST rebate!

Buying a new home can be an exciting project, but it comes with its share of government fees. Traditionally, when you buy a new home, you must pay the Goods and Services Tax (GST) and the Quebec...

Read More
The booming Quebec real estate market

version française

Read More
Falling in love with your dream house - how to get the information you need to help you with your decision

Karen and Carl live in a beautiful, cozy house in the Laurentians. During a walk on a beautiful Sunday, they found a house for sale, hidden in the woods. The real estate broker was there and showed...

Read More
After a year of global pandemic, it's time to take a look at your financial situation

At this time last year, we were quietly going about our business. Life was happening at full speed until one day the world plunged into the unknown.This global pandemic has challenged many of our...

Read More
Everything about the house is perfect except for the kitchen. What are my options?

Although the kitchen, the bathrooms as well as the floors are rarely to our taste when we visit houses for sale, is this a reason to reject a house that has many other assets? The CMHC...

Read More
Buying a house owned by your parents - the equity gift

Seven years ago, Emrick and the mother of his children separated. At the time of the break-up, an important decision was made: Emrick would become the owner of the family home. To do so, he asked his...

Read More

Subscribe to Newsletter


June 23 2022

1 Year Fixed 5.24% 3.94%
2 Years Fixed 5.64% 4.44%
3 Years Fixed 6.84% 4.59%
4 Years Fixed 6.84% 4.69%
5 Years Fixed 6.84% 4.89%
5 years Variable 3.85% 2.80%
7 Years Fixed 6.39% 5.14%
10 Years Fixed 6.60% 5.34%
HELOC 4.70% 4.20%

Sign up for our alerts and receive one of the following:

  • Our Tip of the week, and/or
  • Our Monthly summary of our tips, and/or
  • 2-4 emails a year on major changes in the field, and/or
  • Renewal; 3 emails 8 months, 6 months, 3 months before the end of your mortgage loan, and/or
  • Tips and tricks for buyers; sequence of 24 emails over 24 weeks

In addition to receiving the information, you will have access to our calculators, our rates and our contact information.

Let us orchestrate the details of your mortgage!