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  1. Canada
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Quebec
  4. Gatineau
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
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Mortgage Affordability Calculator Gatineau, QC

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.

Property tax and rules are for this province.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Gatineau

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Nick Mitritsakis Courtier Hypothécaire/Mortgage broker Multi-Prêts

Verified

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.

Services & Prices
Mortgage Acquisition Free Consultation
Mortgage Renewal Free Consultation
Mortgage Refinancing Free Consultation
View Profile
(819) 209-5500
Open 8:00 AM - 8:00 PM
4 la baie, Gatineau, Quebec J8T 3H3, Canada
General Services
Mortgage Services
2

Elie Ibrahim - Courtier hypothécaire - Mortgage broker

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.

View Profile
(819) 210-7843
Open 9:00 AM - 9:00 PM
50 Bd Saint-Raymond Ste 200, Gatineau, Quebec J8Y 1R7, Canada
3

Équipe Patrick Bélisle & Dominic St-Pierre | Courtier Hypothécaire

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.

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(819) 665-7397
Open 8:00 AM - 8:00 PM
50 Bd Saint-Raymond Ste 200, Gatineau, Quebec J8Y 1R5, Canada
4

Patrick Dumond - Courtier Hypothécaire

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.

Services & Prices
Fixed Rate Mortgages Free Consultation
Variable Rate Mortgages Free Consultation
Refinancing Services Free Consultation
Buyer's Representation $150 - $300
View Profile
(819) 444-8888
Open 8:00 AM - 6:00 PM
4 Rue de la Baie, Gatineau, QC J8T 3H3, Canada
General Services
Mortgage Financing
5

Martin Lariviere - Courtier Hypothécaire

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.

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(819) 230-4400
Open 8AM - 8PM
50 Bd Saint-Raymond Ste 200, Gatineau, Quebec J8Y 1R7, Canada
Where they are 10 on the map Click a pin for the profile and directions
6

Philippe Boucher - courtier hypothécaire mortgage broker

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.

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(819) 661-8812
Open 7:00 AM - 10:00 PM
50 Bd Saint-Raymond Ste 200, Gatineau, Quebec J8Y 1R7, Canada
7

Charles-Antoine Miljours - Courtier hypothécaire - Mortgage broker

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.

Services & Prices
Conseil Hypothecaire Free Consultation
Demande d'Hypotheque Free Consultation
Renegociation d'Hypotheque Free Consultation
Evaluation de Propriete Free Consultation
View Profile
(819) 639-7333
Open 9:00 AM - 10:00 PM
50 Bd Saint-Raymond Ste 200, Gatineau, Quebec J8Y 1R7, Canada
General Services
Hypotheque
8

Équipe Nicholas ONeil - Courtiers Hypothécaire

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.

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(819) 665-7515
Open 00:00 - 23:59
50 Bd Saint-Raymond Ste 200, Gatineau, Quebec J8Y 1R7, Canada
9

Maxime Denommé | Courtier hypothécaire, Mortgage broker

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.

Services & Prices
Credit Building Advice Free Consultation
View Profile
(819) 962-5198
Open 8:00 AM - 9:00 PM
456 Bd de l'Hôpital Unité 1, Bureau 4, Gatineau, QC J8T 8M5, Canada
General Services
Mortgage Brokerage
10

Charles Dumond Courtier hypothécaire Multi-Prêts

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.

Services & Prices
Taux Hypothécaire Free Consultation
Suivi et Assistance Free Consultation
Planification Budgétaire Free Consultation
Évaluation de Crédit Free Consultation
View Profile
(819) 319-2152
Open 9:00 AM - 8:00 PM
4 Rue de la Baie, Gatineau, QC J8T 3H3, Canada
General Services
Hypothécaire

How this Gatineau mortgage affordability calculator works

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%.

Quebec rules and numbers this calculator uses

Stress test
You must qualify at the higher of your rate plus 2% or 5.25% (OSFI and federal insured-mortgage rules).
Debt limits
Housing costs up to 39% of gross income (GDS) and all debts up to 44% (TDS), the CMHC maximums. CMHC also needs a credit score of at least 600.
Minimum down payment
5% of the first $500,000 and 10% of the part above it. Homes priced at $1.5 million or more need 20% down and cannot be insured.
Mortgage insurance
Under 20% down, a CMHC premium is added to the loan: 2.80% of the loan at 15–19.99% down, 3.10% at 10–14.99% and 4.00% at 5–9.99%, plus 0.20% for a 30-year amortization.
Amortization
First-time buyers and buyers of new builds can take 30 years on an insured mortgage; others are tested at 25 years.
Property tax
About 0.8% of the home's value a year (Quebec average, 2025), plus $100 a month for heating.
Rate
Starts at 4.49% (a typical 5-year fixed, October 2026). Change it to the rate you have been offered.

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.

Frequently asked questions

8 questions
How does the Gatineau mortgage affordability calculator work?
The calculator estimates the highest home price you can afford based on income, debts, down payment, interest rate, and first-time buyer status.
What is the stress test for mortgages in Quebec?
Borrowers must qualify at the higher of their contract rate plus 2% or 5.25%.
How do GDS and TDS affect mortgage affordability?
GDS limits housing costs to 39% of income; TDS limits all debts to 44%, both at the qualifying rate.
Can first-time buyers in Gatineau get a 30-year mortgage?
Yes, first-time buyers and buyers of new homes can get a 30-year amortization on an insured mortgage.
How do debts impact how much mortgage I can qualify for?
Debts reduce the amount you can borrow by affecting your TDS, which must be under 44% of your income.
What is the property tax rate in Quebec?
Property tax is about 0.8% of the home's value annually in Quebec.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval confirms borrowing capacity after verifying income, debts, and down payment; pre-qualification is an initial estimate.
What does a mortgage broker do?
A mortgage broker helps find and negotiate mortgage terms with lenders on your behalf.

General information, not financial advice — consult a qualified professional.