Our tips & tricks
Let us orchestrate the details of your mortgage!
Lastest Posts
When the Appraisal Comes in Below the Purchase Price: Who Covers the Gap?
Jérôme finally won. After two visits and an offer competing with two other buyers, his offer to purchase was accepted at $520,000. He planned a 20% do...
Read More
Adding a secondary suite: your financing is decided before the first hammer swing
Zoé bought her bungalow two years ago. Her basement barely gets used, and she would like to turn it into a rental unit to ease her mortgage payments....
Read More
Financing a new home: what your pre-approval doesn’t cover
Élodie just signed a preliminary contract for a new $425,000 condo. Delivery is scheduled in 14 months. She has a pre-approval in hand and considers h...
Read More
Parental leave and your mortgage: the income that counts isn’t the one you’re receiving
Jade has been on parental leave for four months. Her home has become too small, and a house she has been watching for a long time just came on the mar...
Read More
Pay Off Your Mortgage Faster Without Penalties Using the Prepayment Privileges in Your Mortgage Contract
Florence had just received a $5,000 bonus. Her first instinct: put it on her mortgage. Her second instinct: do nothing, because she had heard you pay...
Read More
Buying with Others: The Lender Can Ask You for 100% of the Debt
Camille and her sister Éloïse wanted to buy a house together. Camille had a strong income and a spotless credit file. Éloïse had a more modest income,...
Read More
Cottage or Second Home: Why the Down Payment Isn’t Always What You’d Expect
Raphaël had been looking for the right cottage for two years. He finally found it, on a lake in Quebec’s Eastern Townships. His bank had mentioned a 5...
Read More
Getting a Mortgage When You’re New to Canada: How It Works Without Canadian Credit History
Nadia has been here just over two years. A stable job, savings, no debt, but the same answer every time she called a financial institution: “You don’t...
Read More
What Changes With CMHC Mortgage Loan Insurance When You Put Down Less Than 20%
Noah had just gotten his offer accepted on a $400,000 condo. With a 10% down payment, $40,000, he figured he’d done his homework. Then his lender’s cl...
Read More
Why Your Borrowing Capacity from the Bank Is Almost Never the Same as an Online Calculator’s Result
Thomas had run three different mortgage calculators before calling us. They all landed around the same place: roughly $450,000. His pre-approval came...
Read More
