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First-time buyers
Pre-approval, FHSA, HBP, welcome-tax credit — I guide you step by step.
The True Mortgage Calculator · Quebec
What will your home really cost you?
A simplified calculation only shows the mortgage payment. The True Calculator adds property taxes, heating, QST on CMHC insurance, plex rents and real lender rules.
- ✓ Free · 2 minutes
- ✓ No credit check
- ✓ Rules updated:
Built by Zeineb ChebbiMortgage Broker in Quebec
See our calculation method →
See our calculation method →
The difference
What a simplified calculation doesn’t show you
Same buyer, same condo in Laval. Both columns are calculated live by our tool.
Example: couple, $130,000 income, $45,000 saved, $400/month car loan, $300 condo fees. “Simplified calculation” = mortgage payment only and minimum down payment.
All included
12 things the True Calculator accounts for
- Stress testhigher of 5.25% or rate + 2%
- Lender ratiosGDS 39% and TDS 44%
- Minimum down payment5%, 10%, 20% by price and number of units
- CMHC insurancepremium based on your down payment
- QST on CMHC premiumpaid in cash at the notary
- Welcome taxincluding Montreal brackets
- 2026 first-buyer crediton the welcome tax
- Municipal & school taxesby region
- Heating & home insuranceby property type
- Condo feescounted the way lenders do
- Plex incomeyour rents raise your budget
- Credit & employmentbank or alternative lender
Your broker
An accurate calculation, then a real person to make it happen.
I compare offers from 30+ banks and lenders for you, negotiate your rate, and guide you from pre-approval all the way to the notary.
30+lenders compared
$0cost to you
FR · ENbilingual service
Services
A solution for every stage of life
Your first condo, your family home or an income plex — I find the financing that fits.
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Renewals
Don’t sign your bank’s offer without comparing. I negotiate for you, free.
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Refinancing
Renovations, debt consolidation or investing using your home equity.
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Self-employed
Lenders who understand business income, even with under 2 years of history.
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Newcomers
Specialized programs to buy in Canada with limited credit history.
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Plexes & investing
Duplex, triplex, rental property — maximize your leverage safely.
Video tips
Mortgage tips in 60 seconds
Follow me on social media for weekly tips.
FAQ
Your questions, answered
How much does a mortgage broker cost in Quebec?
For a standard residential mortgage, my services are generally free to you — I’m paid by the lender you choose. I always confirm this in writing before we start.
What is the minimum down payment for a first home?
5% of the first $500,000 and 10% of the portion between $500,000 and $1,500,000. At $1.5M and above, it’s 20%. Below 20%, mortgage default insurance is required.
When should I start shopping my renewal?
Ideally 120 days before maturity. Most lenders let you hold a rate up to 4 months ahead — and if rates drop, you still benefit.
What is the stress test?
Lenders check that you could afford your mortgage at the higher of 5.25% or your contract rate + 2%. Our calculator applies it automatically.
Contact
Let’s talk about your project
A free 15-minute call, no obligation. Service in English and French.
- 📞 514-549-5429
- ✉️ contact@hypoquebec.ca
- 📍 2525 Daniel-Johnson Blvd, Suite 370, Laval, QC H7T 1S9