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Review Keywords Analysis

  1. Canada
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Quebec
  4. Montreal
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Montreal, QC

How much house can you afford in Montreal? 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 Montreal

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

1

Eikel Aliko Mortgage Broker / Courtier Hypothecaire

Verified

Eikel Aliko Mortgage Broker offers access to a wide range of mortgage products from Canada’s biggest banks, credit unions, and trust companies, giving clients more options than a single institution. The team provides clear, patient guidance through buying or refinancing homes, with a focus on transparency and detailed explanations. Clients appreciate the smooth process and responsive… more...

Eikel Aliko Mortgage Broker offers access to a wide range of mortgage products from Canada’s biggest banks, credit unions, and trust companies, giving clients more options than a single institution. The team provides clear, patient guidance through buying or refinancing homes, with a focus on transparency and detailed explanations. Clients appreciate the smooth process and responsive communication throughout.

Services & Prices
First-Time Homebuyer Assistance, Refinancing Services, Investment Property Financing)
Current Rate Comparison, Custom Rate Suggestions, Ongoing Rate Monitoring)
Document Preparation Assistance, Application Submission Support)
Credit Score Analysis, Debt-to-Income Ratio Evaluation, Income Verification Assistance)
View Profile
(438) 985-8346
Open 8:00 AM - 8:00 PM
3750 Rue Jean-Talon E, Montréal, QC H2A 1Y2, Canada
General Services
Mortgage Brokerage
2

ORBIS - Groupe hypothécaire

Verified

ORBIS - Groupe hypothécaire connects clients with a wide range of Canadian lenders, including banks, credit unions, and private institutions. Their licensed agents guide borrowers through financing options with patience and clear communication. Customers appreciate their support during complex situations, though some note the process can take time depending on individual cases.

Services & Prices
Residential Mortgage, Commercial Mortgage, Refinancing)
Pre-Approval Process, Document Preparation, Application Submission)
View Profile
Open 9:00 AM - 6:00 PM
285 Pl. d'Youville Suite #9, Montreal, QC H2Y 2R6, Canada
General Services
Mortgage Financing
3

Jimmy Perreault courtier hypothécaire Multi-Prêts

With 15 years of mortgage finance experience, this team specializes in finding mortgage solutions tailored to each client’s needs, offering the convenience of fully remote service. They handle everything from prequalification to closing, and customers appreciate their responsiveness, clear communication, and supportive approach throughout the process.

Services & Prices
Home Purchase Financing Free Consultation
Mortgage Renewal Free Consultation
View Profile
(514) 994-7873
Open 8:00 AM - 8:00 PM
3737 Boul Crémazie E bureau 502, Montreal, QC H1Z 2K4, Canada
General Services
Mortgage Services
4

Ratehub.ca

Ratehub.ca stands out for its integrated online mortgage brokerage, offering tools and professional advice to help Canadians find mortgage deals suited to their needs. The team assists with everything from rate comparisons to navigating paperwork, with many customers appreciating their responsiveness, though some note occasional delays in communication.

Services & Prices
First-Time Home Buyer Mortgage Free Consultation
Mortgage Renewal Free Consultation
Refinancing Free Consultation
View Profile
(514) 312-2257
Open 9:00 AM - 6:00 PM
6424 Rue Jean-Talon E Unit 206, Montréal, QC H1S 1M8, Canada
General Services
Mortgage Services
5

Team Levine - Courtier Hypothécaire Montreal

Team Levine blends the personalized approach of a broker with the resources of a bank, offering access to a wide range of mortgage products and competitive rates. The team handles everything from finding the right lender to managing paperwork, helping clients navigate complex mortgage decisions. Customers appreciate their responsiveness and thorough guidance throughout the process.

Services & Prices
Mortgage Renewal Free Consultation
First-Time Home Buyer Assistance Free Consultation
Refinancing Free Consultation
View Profile
(514) 876-8916
Open 9:00 AM - 6:00 PM
1253 Av. McGill College w6, Montréal, QC H3B 2Y5, Canada
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

nesto mortgages-hypothèques

Nesto Mortgages-Hypothèques offers upfront, competitive starting rates aimed at saving clients thousands on their mortgage. Their team uses advanced technology to quickly compare market options and supports customers through the entire financing process. While many appreciate their clear advice and responsiveness, some note challenges with document handling and follow-up after the initial steps.

Services & Prices
Mortgage Loan Free Consultation
Pre-Approval Free Consultation
Refinancing Assistance Free Consultation
Credit Report Retrieval $30 - $50
View Profile
(833) 447-4403
Open 9:00 AM - 8:00 PM
2200 Rue Stanley 1er étage, Montréal, QC H3A 1R6, Canada
General Services
Mortgage Services
7

George Macris Montreal Mortgage Broker

Known for working closely with first-time homebuyers, George Macris offers mortgage guidance that helps clients understand their options clearly. The team assists with purchases, refinancing, and renovations, often praised for their availability and thoroughness, though some clients note that certain product details could be explained more fully.

Services & Prices
First-Time Home Buyer Assistance Free Consultation
Rate Comparison Free Consultation
Credit Report Analysis $50 - $100
Credit Improvement Suggestions $100 - $200
View Profile
(514) 651-2395
Open 9:00 AM - 8:00 PM
2000 McGill College Ave 6th Floor, Montreal, QC H3A 3H3, Canada
General Services
Mortgage Services
8

Michel Elias - Mobile Mortgage Specialist - Spécialiste Hypothécaire

Known for quick responses even outside regular hours, this mobile mortgage specialist helps clients secure competitive rates and smooth approvals. The team offers access to products from over 20 financial institutions, assisting with refinancing and asset liquidation. Customers appreciate the clear communication and efficient, supportive service throughout the mortgage process.

Services & Prices
Pre-Approval Free Consultation
Rate Analysis Free Consultation
Loan Modification Free Consultation
Cash-Out Refinancing Free Consultation
View Profile
Open 8:00 AM - 10:00 PM
1601 Sainte-Catherine O, Montréal, QC H3H 1L8, Canada
General Services
Mortgage Services
9

Aliona Cozari - AVIE Financial Services Inc.

Known for integrity and transparency, this mortgage broker offers personalized guidance to help clients choose and negotiate loans that fit their financial goals. The team works with credit unions and banks, providing access to a wide range of financial products. Clients appreciate the responsive communication and professional support throughout the process.

Services & Prices
First-Time Homebuyer Mortgage Free Consultation
Conventional Mortgage Free Consultation
Mortgage Refinance Free Consultation
Personalized Mortgage Strategy Free Consultation
View Profile
Open 8:00 AM - 5:00 PM
1080 Côte du Beaver Hall #002, Montréal, QC H2Z 1S8, Canada
General Services
Mortgage Services
10

Vantage Mortgage & Realty Group

Known for helping homeowners reduce mortgage costs and pay off loans faster, Vantage Mortgage & Realty Group specializes in residential and multi-unit investment properties. Their licensed brokers offer detailed financial analyses and guidance throughout the Greater Montreal area. Clients appreciate the team’s professionalism, responsiveness, and personalized support.

Services & Prices
First-Time Home Buyer Assistance Free Consultation
Rental Management Assistance Free Consultation
Property Maintenance Advice Free Consultation
View Profile
(514) 667-5015
Open 9:00 AM - 9:00 PM
8250 Bd Décarie #150, Montréal, QC H4P 2P5, Canada
General Services
Mortgage Brokerage

Latest reviews of Montreal Mortgage Brokers near you

Written on TrustAnalytica by clients of the businesses in this list
  • Sasikumary

    We had a wonderful experience working with our mortgage agent during our recent triplex purchase. We started with a low credit score and had no idea how to begin the process. A friend recommended him to us, and it turned out to be the best decision. He patiently guided us through every step, helped…

  • Loubna

    Merci Steven Levine pour l'excellent servic, très efficace et rapide, je recommande à mes entourage.

Montreal Mortgage Brokers near you stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Eikel Aliko Mortgage Broker / Courtier Hypothecaire 5.0 110 — (438) 985-8346 Visit
2 ORBIS - Groupe hypothécaire 4.6 37 — — Visit
3 Jimmy Perreault courtier hypothécaire Multi-Prêts 5.0 100 Free Consultation (514) 994-7873 Visit
4 Ratehub.ca 4.8 100 Free Consultation (514) 312-2257 Visit
5 Team Levine - Courtier Hypothécaire Montreal 5.0 92 Free Consultation (514) 876-8916 Visit
6 nesto mortgages-hypothèques 4.0 104 $25 (833) 447-4403 Visit
7 George Macris Montreal Mortgage Broker 4.9 72 $50 (514) 651-2395 Visit
8 Michel Elias - Mobile Mortgage Specialist - Spécialiste Hypothécaire 5.0 58 Free Consultation — Visit
9 Aliona Cozari - AVIE Financial Services Inc. 5.0 36 Free Consultation — Visit
10 Vantage Mortgage & Realty Group 5.0 29 Free Consultation (514) 667-5015 Visit

How this Montreal 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?
The calculator estimates the maximum home price you can afford based on income, debts, down payment, and interest rate. It includes CMHC insurance and property tax.
What is the stress test for mortgages in Quebec?
You must qualify at the higher of your contract rate plus 2% or 5.25%. This ensures you can handle potential rate increases.
How do GDS and TDS affect my mortgage qualification?
GDS limits housing costs to 39% of income, while TDS caps all debts at 44%. Both are calculated at the qualifying rate.
Can first-time buyers in Montreal get a 30-year mortgage?
Yes, first-time buyers and those purchasing newly built homes can access a 30-year amortization on an insured mortgage.
How do debts affect how much mortgage I can get?
Higher monthly debts reduce your borrowing capacity since they count towards the TDS ratio, limiting your mortgage amount.
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 pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, while pre-qualification is an initial estimate without verification.
How accurate is the mortgage affordability estimate?
The estimate is based on provided data and current rates. A lender's pre-approval confirms the exact amount.

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