Purchase, renewal, or refinancing of a property in Montréal. Describe your project in two minutes; a broker registered with the AMF calls you back, compares several lenders, and negotiates far more than the rate. No credit check on submission.
The housing stock in Montréal
Montreal’s housing stock is dominated by plexes and condos, two types lenders treat differently from a suburban bungalow: rental income from a duplex or triplex enters the calculation, and a condo means reviewing the syndicate’s financial statements.
Sectors: Le Plateau-Mont-Royal · Rosemont–La Petite-Patrie · Villeray · Ahuntsic · Verdun · Côte-des-Neiges
Transfer duties in Montréal
Montreal applies additional brackets beyond the provincial thresholds. An identically priced property therefore costs more in transfer duties in Montreal than in most other Quebec cities.
Transfer duties are paid in cash after signing with the notary; they are not included in the mortgage loan.
What a local broker brings
Knowledge of local notary and appraiser timelines, of the institutions active in Montréal, and of what a lender will or will not accept for the property type you have in mind.
Programs that may apply
HBP, FHSA, federal and Quebec tax credits for a first home, and municipal programs where they exist. Conditions change from year to year; the broker tells you which ones actually apply to your situation.
Why no rate is shown here
A number without your situation would be misleading: down payment, property type, debt ratio, and timing change which lenders are available and on what terms. The broker presents real options after the conversation, and nothing is decided by a machine.
What follows your request
Your request goes only to the team authorized for this service. A person registered with the AMF calls you back. You remain free not to proceed; your consent is timestamped and revocable from every email you receive.