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Review Keywords Analysis

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

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.

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 Laval

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

1

Ryan La Haye | Planiprêt - Groupe RLH

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.

Services & Prices
Refinancing Assistance Free Consultation
Loan Pre-approval Free Consultation
View Profile
(450) 629-3101
Open 9:00 AM - 9:00 PM
1545 Bd de l'Avenir #220, Laval, Quebec H7S 2N5, Canada
General Services
Mortgage Brokerage
2

Francis Perreault-Varin courtier Multi-prêts hypothèques

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.

Services & Prices
First-Time Home Buyer Assistance Free Consultation
View Profile
(514) 717-5992
Open 8:00 AM - 8:00 PM
2020D des laurentides, Laval, QC H7M 2Y5, Canada
General Services
Mortgage Services
3

Philippe Limoges Ratté courtier hypothécaire Multi-Prêts

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.

Services & Prices
Évaluation de Prêt Free Consultation
Assistance au Dossier de Prêt Free Consultation
Analyse du Marché $150 - $250
Conseil en Négociation $200 - $300
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(514) 922-2033
Open 00:00 - 23:59
4702 Rue Louis-B.-Mayer Ste 200, Laval, QC H7P 0L9, Canada
General Services
Hypothèque
4

Mickael Bisson - Courtier hypothécaire

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.

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(514) 949-6778
Open 6:00 AM - 10:00 PM
2540 Bd Daniel-Johnson, Laval, QC H7T 2S3, Canada
5

Kassem Youssef, Mortgage Broker

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.

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(514) 823-5078
Open 8:00 AM - 8:00 PM
3310 100e Avenue, Laval, QC H7T 0J7, Canada
Where they are 10 on the map Click a pin for the profile and directions
6

Cristian Mardari - Courtier Hypothecaire / Mortgage Broker

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.

Services & Prices
Home Purchase Mortgage Free Consultation
Mortgage Refinance Free Consultation
View Profile
(514) 962-3142
Open 7:30 AM - 10:00 PM
1800 Boul. le Corbusier Local 119, Laval, Quebec H7S 2K1, Canada
General Services
Mortgage Services
7

Jeremy Perreault Courtier Hypothécaire

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.

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(514) 708-8790
Open 00:00 - 23:59
4702 Rue Louis-B.-Mayer, Laval, QC H7P 0G1, Canada
8

Simon Gaudet - Courtier hypothécaire Multi-Prêts

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.

Services & Prices
Pre-Approval Free Consultation
Mortgage Renewal Free Consultation
Final Signing Free Consultation
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(450) 421-2131
Open 8:00 AM - 8:00 PM
2988 Blvd. Saint-Martin O, Laval, QC H7T 0M8, Canada
General Services
Mortgage Services
9

Shahrzad Foroghi - Mortgage broker

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.

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(438) 777-5555
Open 00:00 - 23:59
3899 Desserte est des Laurentides, Laval, Quebec H7L 3H7, Canada
10

Marco Matsiuk - Multi-prêts Hypothèques

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.

Services & Prices
Conseil Hypothécaire Free Consultation
Demande de Prêt Free Consultation
Suivi de Prêt Free Consultation
View Profile
(514) 974-4534
Open 8:00 AM - 8:00 PM
2988 Blvd. Saint-Martin O, Laval, QC H7T 0M8, Canada
General Services
Hypothèque

How this Laval 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 mortgage affordability calculator work?
It estimates the highest home price you can afford using your income, debts, down payment, and interest rate. It includes CMHC insurance and property tax costs.
What is the mortgage stress test in Quebec?
You must qualify at the higher of your contract rate plus 2% or 5.25%. This ensures you can afford payments if rates rise.
What are GDS and TDS ratios?
GDS is up to 39% of gross income for housing costs. TDS is up to 44% for all debts. Both are calculated at the qualifying rate.
Can first-time buyers in Laval get a 30-year mortgage?
Yes, if the mortgage is insured and you're a first-time buyer or buying a newly built home.
How do debts affect mortgage affordability?
Higher monthly debts reduce the mortgage amount you can qualify for, as they increase your TDS ratio.
What is the property tax rate in Quebec?
Property tax is about 0.8% of the home's value annually, based on 2025 municipal rates.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval confirms your borrowing limit after verifying income, debts, and credit. Pre-qualification is an estimate without verification.
How much house can I afford on a $100k salary in Laval?
The calculator estimates based on your income, debts, and down payment. Use it for a personalized result.

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