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

How much house can you afford in Longueuil? 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 Longueuil

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

1

Badre Kaghat - Courtier hypothécaire Multi-Prêts

Specializing in personalized mortgage solutions, Badre Kaghat focuses on securing the best financing terms for each client’s unique situation. The team assists with pre-qualification, investment, refinancing, and debt consolidation, taking time to explain complex details clearly. Clients appreciate their responsiveness and supportive guidance throughout the process.

Services & Prices
Purchase Mortgages Free Consultation
Refinancing Free Consultation
Pre-Approval Free Consultation
View Profile
(514) 298-2980
Open 7:00 AM - 9:00 PM
2414 Ch. de Chambly, Longueuil, QC J4L 1L7, Canada
General Services
Mortgage Services
2

Courtier Hypothécaire Walid Chourou

Known for a professional and clear approach, Courtier Hypothécaire Walid Chourou helps clients optimize their financing and secure their transactions. The team offers mortgage solutions for purchases, refinancing, and renewals, guiding customers through each step with expertise. Clients appreciate the reliable and efficient service provided throughout the process.

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(514) 237-2469
Open 9:00 AM - 8:00 PM
441 Chem. du Coteau-Rouge, Longueuil, QC J4J 1X9, Canada
3

Amine Hadjeres - Multi-Prêts Hypothèques

Known for attentive and readily available service, Multi-Prêts Hypothèques supports clients through every step of mortgage financing and refinancing. The team offers professional guidance that many find smoother than traditional bank experiences. Customers appreciate their responsiveness and clear communication throughout the process.

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(263) 380-5656
Open 8:00 AM - 8:00 PM
2414 Ch. de Chambly, Longueuil, QC J4L 1L7, Canada
4

Edouard Desautels - Courtier Hypothécaire

Known for personalized mortgage solutions, Edouard Desautels and his team assist clients with purchases, pre-approvals, renewals, and refinancing, including those with complex credit or self-employment situations. Clients appreciate their responsiveness and support throughout each step of the process.

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(438) 357-6468
Open 00:00 - 23:59
3135 Bd Moïse-Vincent, Longueuil, QC J3Z 0G7, Canada
5

Maryam Ramezanloo Mortgage broker

Known for clear communication and personalized guidance, Maryam Ramezanloo helps clients navigate mortgage options with reliability and honesty. The team assists with affordability assessments, rate comparisons, and pre-qualification, serving areas including Montréal and Sherbrooke. Clients appreciate the prompt responses and supportive approach throughout the process.

Services & Prices
Purchase Mortgages Free Consultation
Refinancing Free Consultation
Pre-Approval Free Consultation
View Profile
(438) 926-5626
Open 9:00 AM - 7:00 PM
2414 Ch. de Chambly, Longueuil, QC J4L 1L7, Canada
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Multi-Prêts Hypothèques Longueuil

Multi-Prêts Hypothèques Longueuil stands out for its team of 20 mortgage brokers who work with multiple financial institutions to find competitive rates and tailored financing solutions. They assist with purchases, refinancing, and renewals, offering flexible scheduling seven days a week. Clients appreciate their attentive communication and thorough guidance throughout the mortgage process.

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(450) 646-6464
Open 9:00 AM - 5:00 PM
2414 Ch. de Chambly, Longueuil, QC J4L 1L7, Canada
7

PretImmoCanada

PretImmoCanada specializes in helping immigrants and foreign residents navigate the Canadian mortgage process with personalized support and clear guidance. The team assists with everything from first-time home purchases to refinancing and mortgage renewals, often praised for their professionalism and thorough explanations. Some clients note the process can be complex, but the team’s… more...

PretImmoCanada specializes in helping immigrants and foreign residents navigate the Canadian mortgage process with personalized support and clear guidance. The team assists with everything from first-time home purchases to refinancing and mortgage renewals, often praised for their professionalism and thorough explanations. Some clients note the process can be complex, but the team’s responsiveness helps ease challenges.

Services & Prices
Detailed Loan Comparisons Free Consultation
View Profile
(438) 405-6484
Open 00:00 - 23:59
2898 Bd Béliveau, Longueuil, QC J4M 2B8, Canada
General Services
Financing Management
8

Katy Provost - Courtier hypothécaire

With over 15 years of experience, this mortgage broker offers access to more than 20 financial institutions in a single appointment. The team assists with first-time home purchases, loan renegotiations, and refinancing across Montérégie and Quebec, combining efficient service with attentive support. Clients appreciate the quick responses and patient guidance throughout the process.

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(514) 951-6087
Open 00:00 - 23:59
2414 Ch. de Chambly, Longueuil, QC J4L 1L7, Canada
9

Jeremy Soulieres - Courtier Hypothécaire - JA Hypothèques

JA Hypothèques specializes in mortgage brokerage with a focus on professional and attentive service. The team assists clients in navigating financing options smoothly, earning praise for their clear communication and expertise. Some clients note the process can take time, but professionalism remains consistent throughout.

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(438) 377-6237
Open 00:00 - 23:59
3135 Bd Moïse-Vincent, Longueuil, QC J3Z 0G7, Canada
10

Coralie Messier courtière hypothécaire - Mortgage Broker

Known for responsive and patient communication, Coralie Messier courtière hypothécaire offers mortgage brokerage services that help clients navigate financing with confidence. The team provides clear explanations and timely answers, making the process straightforward and reassuring. Customers appreciate the professional and courteous approach throughout their experience.

Services & Prices
Purchase Mortgages Free Consultation
Refinancing Free Consultation
Pre-Approval Free Consultation
View Profile
(450) 330-7099
Open 9:00 AM - 8:00 PM
3135 Bd Moïse-Vincent, Longueuil, QC J3Z 0G7, Canada
General Services
Mortgage Services

How this Longueuil 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

9 questions
How does the mortgage affordability calculator for Longueuil work?
It estimates the highest home price you can afford using your income, debts, down payment, and interest rate. It considers CMHC insurance and property tax.
How accurate is the Longueuil mortgage calculator?
The calculator provides an estimate. A pre-approval from a lender confirms the real amount by verifying income, debts, credit, and down payment.
What is the mortgage stress test in Quebec?
You must qualify at the higher of your contract rate plus 2% or 5.25%.
What are GDS and TDS ratios in Quebec?
GDS is housing costs up to 39% of gross income; TDS is all debts up to 44%, both at the qualifying rate.
Can first-time buyers in Longueuil 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 affect mortgage affordability in Quebec?
Higher monthly debts reduce the mortgage amount you qualify for, as they impact your TDS ratio.
What is the property tax rate in Longueuil, Quebec?
Property tax is approximately 0.8% of the home's value annually.
What is the difference between mortgage pre-approval and pre-qualification?
Pre-approval confirms your borrowing capacity with verified financial details; pre-qualification is an initial estimate.
How much house can I afford on a 100k salary in Longueuil?
Use the calculator to estimate based on your income, debts, down payment, and interest rate, considering GDS and TDS limits.

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