How much house can you afford in Gatineau? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · 2026 stress test and CMHC rules
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings, RRSP Home Buyers' Plan, FHSA and gifts from family all count. Minimum: 5% of the first $500,000, 10% above that.
4.49% (a typical 5-year fixed, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
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Nick Mitritsakis Courtier Hypothécaire/Mortgage broker Multi-PrêtsVerified
5.0 · 58 reviews · Free pre-approval
Get pre-approved →
Elie Ibrahim - Courtier hypothécaire - Mortgage broker
5.0 · 578 reviews · Free pre-approval
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Équipe Patrick Bélisle & Dominic St-Pierre | Courtier Hypothécaire
5.0 · 529 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Specializing in mortgages for self-employed individuals and first-time homebuyers, Nick Mitritsakis offers a personalized, stress-free approach to financing. The team handles purchases, refinances, and renewals, guiding clients through complex situations with clear explanations. Clients appreciate their professionalism, responsiveness, and ability to secure favorable terms.
With access to over 25 lenders, this mortgage broker offers tailored solutions for buying, renewing, or refinancing mortgages. The team provides clear, personalized guidance throughout the process, helping clients secure competitive rates beyond traditional banks. Customers appreciate the efficient, professional service and responsiveness.
Équipe Patrick Bélisle & Dominic St-Pierre se distingue par un service personnalisé et des conseils clairs qui aident à prendre des décisions en toute confiance. L’équipe accompagne les propriétaires dans leurs démarches hypothécaires, offrant rapidité et disponibilité malgré les défis liés au roulement du personnel dans le secteur financier.
With nearly 25 years of experience and licenses in both Quebec and Ontario, Patrick Dumond offers mortgage solutions for a wide range of clients, including self-employed individuals and new immigrants. The team provides quick pre-qualification and flexible financing options, with clients appreciating their attentive communication and ability to handle complex cases.
Accredited in both Quebec and Ontario, Martin Lariviere offers mortgage services tailored to first-time buyers, renewals, refinancing, and investment properties. The team works with multiple lenders to provide clear, straightforward advice and help clients navigate financing options smoothly. Clients appreciate the attentive communication and ease throughout the process.
Working independently for clients rather than banks, Philippe Boucher provides impartial mortgage advice through Mortgage Alliance’s network of over 60 lenders. The team assists with mortgage applications, refinancing, and rent-versus-buy decisions, offering clear guidance throughout the process. Customers appreciate their patience, transparency, and support, even with complex cases.
Working independently within a well-established Canadian brokerage, this mortgage broker offers access to over 60 lenders, including some exclusive to brokers. The team assists with mortgage applications, refinancing, and rent-versus-buy decisions, providing clear, patient guidance throughout the process. Clients appreciate their availability and the reassuring support they receive.
Équipe Nicholas ONeil - Courtiers Hypothécaire offers clear, attentive guidance throughout the mortgage process, helping clients understand financing options and next steps. The team handles loan negotiations and maintains close follow-up, ensuring clients feel supported from start to finish. Customers appreciate their professionalism and responsiveness.
Specializing in financing solutions for self-employed individuals, newcomers, and renovation projects, Maxime Denommé connects clients to over twenty-five lenders to find mortgage options that fit their unique needs. The team guides borrowers through each step with clear explanations and ongoing support, helping them feel confident even in complex situations.
Known for being available 24/7, Charles Dumond Courtier hypothécaire Multi-Prêts offers personalized mortgage brokerage services with clear explanations and thorough follow-ups. The team helps clients navigate each step of their transactions, providing attentive support and timely responses throughout the process.
Lenders approve a mortgage when two ratios stay under their limits. Housing costs (mortgage payment, property tax and heating) must be no more than 39% of your gross income, and housing costs plus your other debt payments no more than 44%. The payment is tested at the qualifying rate, not your actual rate. The calculator finds the highest home price that passes both tests and the minimum down payment rules, and adds CMHC insurance to the loan when you put down less than 20%.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: CMHC homeowner mortgage loan insurance requirements and premiums, Finance Canada mortgage reforms effective December 15, 2024, OSFI minimum qualifying rate, 2025 municipal residential tax rates.
General information, not financial advice — consult a qualified professional.