How much house can you afford in Laval? 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 |
|---|
Ryan La Haye | Planiprêt - Groupe RLH
5.0 · 354 reviews · Free pre-approval
Get pre-approved →
Francis Perreault-Varin courtier Multi-prêts hypothèques
5.0 · 268 reviews · Free pre-approval
Get pre-approved →
Philippe Limoges Ratté courtier hypothécaire Multi-Prêts
5.0 · 259 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 →
Known for clear guidance and attentive support throughout the mortgage process, Planiprêt - Groupe RLH offers personalized mortgage brokerage services. The team provides detailed explanations and stays available to answer questions, helping clients feel more confident. Some clients have noted occasional delays in communication, but many appreciate the warm, professional approach.
Multi-Prêts Mortgages offers access to mortgage products from 20 financial institutions, helping clients find options tailored to their financial needs. The team assists with applications, rate comparisons, and pre-qualification, providing clear explanations and ongoing support. Some clients note responsiveness as a strong point, though a few mention challenges when already exploring other… more...
Multi-Prêts Mortgages offers access to mortgage products from 20 financial institutions, helping clients find options tailored to their financial needs. The team assists with applications, rate comparisons, and pre-qualification, providing clear explanations and ongoing support. Some clients note responsiveness as a strong point, though a few mention challenges when already exploring other options.
Offering access to 25 financial institutions in a single appointment, Philippe Limoges Ratté streamlines the mortgage process for clients across Quebec. The team handles everything from pre-qualification to refinancing, including specialized financing for first-time buyers and renovation projects. Clients appreciate the clear communication and availability seven days a week.
Specializing in mortgage solutions for first-time buyers and clients with complex credit situations, JA Hypothèques offers personalized guidance throughout property purchases, pre-approvals, renewals, and refinancing. The team is known for clear communication, quick responses, and attentive support, helping reduce stress during the financing process.
Known for offering free, expert mortgage advice around the clock, CF-Mortgages helps clients navigate a wide range of financing options from multiple lenders. The team supports first-time buyers, self-employed individuals, and non-residents, making the mortgage process clearer and more manageable. Customers appreciate their friendly, informative approach and thorough explanations.
With over 12 years of experience and access to more than 50 lenders, Cristian Mardari specializes in a wide range of mortgage solutions including residential, commercial, alternative, and reverse mortgages. Clients appreciate the team’s clear communication, responsiveness, and thorough guidance throughout complex financing situations.
Offering free mortgage broker services for residential clients, Jeremy Perreault works with over 20 financial institutions to find competitive terms tailored to each situation. The team assists with purchasing, refinancing, renewing, transferring mortgages, and home equity lines of credit, providing clear guidance and quick responses throughout the process.
Simon Gaudet specializes in providing same-day mortgage pre-approvals with a focus on clear communication and personalized support. The team guides clients through buying, refinancing, or renewing mortgages, aiming to simplify the process and secure favorable financing terms. Customers appreciate the attentive, patient approach and thorough explanations throughout each step.
With access to a broad network of lenders, Shahrzad Foroghi offers a wide range of mortgage products tailored to homebuyers, refinancers, and self-employed clients. The team provides clear guidance on rates, terms, and mortgage strategies, with many customers appreciating their responsive, professional, and personalized approach throughout the process.
Known for clear, personalized mortgage guidance, Marco Matsiuk at Multi-Prêts helps clients navigate home financing with ease. The team offers support from pre-qualification to mortgage repayment, including advice on protection insurance and borrowing capacity. Customers appreciate their availability, straightforward explanations, and honest approach throughout the process.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Ryan La Haye | Planiprêt - Groupe RLH | 5.0 | 354 | Free Consultation | (450) 629-3101 | Visit |
| 2 | Francis Perreault-Varin courtier Multi-prêts hypothèques | 5.0 | 268 | Free Consultation | (514) 717-5992 | Visit |
| 3 | Philippe Limoges Ratté courtier hypothécaire Multi-Prêts | 5.0 | 259 | $50 | (514) 922-2033 | Visit |
| 4 | Mickael Bisson - Courtier hypothécaire | 5.0 | 167 | — | (514) 949-6778 | Visit |
| 5 | Kassem Youssef, Mortgage Broker | 5.0 | 86 | — | (514) 823-5078 | Visit |
| 6 | Cristian Mardari - Courtier Hypothecaire / Mortgage Broker | 5.0 | 84 | Free Consultation | (514) 962-3142 | Visit |
| 7 | Jeremy Perreault Courtier Hypothécaire | 5.0 | 44 | — | (514) 708-8790 | Visit |
| 8 | Simon Gaudet - Courtier hypothécaire Multi-Prêts | 5.0 | 38 | Free Consultation | (450) 421-2131 | Visit |
| 9 | Shahrzad Foroghi - Mortgage broker | 5.0 | 25 | — | (438) 777-5555 | Visit |
| 10 | Marco Matsiuk - Multi-prêts Hypothèques | 5.0 | 19 | Free Consultation | (514) 974-4534 | Visit |
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.