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Review Keywords Analysis

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

Mortgage Affordability Calculator Sherbrooke, QC

How much house can you afford in Sherbrooke? 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 Sherbrooke

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

1

Philippe St-Pierre - Courtier Hypothécaire Multi-Prêts, Accrédité Manœuvre Smith®

Accrédité Manœuvre Smith®, this mortgage broker brings personal experience as a young homeowner and investor to guide clients through buying, refinancing, renewing, or investing in real estate. The team offers clear explanations and responsive support, helping clients feel confident even under tight deadlines. Some find the process fast-paced but appreciate the professionalism throughout.

View Profile
(819) 238-5817
Open 00:00 - 23:59
4756 Boul Bourque #207, Sherbrooke, QC J1N 2A7, Canada
2

Martin Nantel-Couture - Multi-Prêts Hypothèques

Known for a personalized and transparent approach, Martin Nantel-Couture at Multi-Prêts Hypothèques guides clients through mortgage options with clear explanations and attentive support. The team assists with first-time home buying, refinancing, debt consolidation, and more, aiming to make the process straightforward and informative. Clients appreciate the professionalism and thorough… more...

Known for a personalized and transparent approach, Martin Nantel-Couture at Multi-Prêts Hypothèques guides clients through mortgage options with clear explanations and attentive support. The team assists with first-time home buying, refinancing, debt consolidation, and more, aiming to make the process straightforward and informative. Clients appreciate the professionalism and thorough communication throughout their experience.

Services & Prices
Plan de Financement Free Consultation
Évaluation de Crédit Free Consultation
Analyse de Marché $100 - $250
Stratégies d'Achat $100 - $200
View Profile
(819) 432-8046
Open 00:00 - 23:59
4756 Boul Bourque local 207, Sherbrooke, QC J1N 2A7, Canada
General Services
Hypothèque
3

Jean-Philippe Bélanger|Courtier Hypothécaire|Planiprêt

Specializing in mortgage solutions that include first-time homebuyer support, refinancing, and investment property financing, Jean-Philippe Bélanger|Courtier Hypothécaire|Planiprêt offers clear guidance through each step of the process. The team is known for being professional, responsive, and thorough, with clients appreciating their availability and straightforward explanations. Some find the… more...

Specializing in mortgage solutions that include first-time homebuyer support, refinancing, and investment property financing, Jean-Philippe Bélanger|Courtier Hypothécaire|Planiprêt offers clear guidance through each step of the process. The team is known for being professional, responsive, and thorough, with clients appreciating their availability and straightforward explanations. Some find the process detailed, but the personalized approach helps ease complexities.

Services & Prices
Refinancing Services Free Consultation
First-Time Home Buyer Assistance Free Consultation
View Profile
(514) 662-1464
Open 9:00 AM - 8:00 PM
455 Rue King Ouest 6e étage, Sherbrooke, QC J1H 6E9, Canada
General Services
Mortgage Brokerage
4

Cédric Lussier-Roy Courtier Hypothécaire Multi-Prêts Hypothèques

Offering access to over 20 financial institutions, this mortgage broker provides personalized guidance for purchases, pre-approvals, renewals, refinancing, and financing renovations or investments. Clients appreciate the clear explanations, responsiveness, and support throughout the process, which helps simplify often complex mortgage decisions. Services are available throughout Quebec via phone… more...

Offering access to over 20 financial institutions, this mortgage broker provides personalized guidance for purchases, pre-approvals, renewals, refinancing, and financing renovations or investments. Clients appreciate the clear explanations, responsiveness, and support throughout the process, which helps simplify often complex mortgage decisions. Services are available throughout Quebec via phone, web conference, or in person.

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(873) 662-1302
Open 00:00 - 23:59
4756 Boul Bourque, Sherbrooke, QC J1N 2A7, Canada
5

Nathalie Beaulieu Les Architectes hypothécaires

Specializing in personalized mortgage solutions across Quebec, Nathalie Beaulieu Les Architectes hypothécaires offers tailored support for first-time buyers, refinancing, and alternative financing options. The team is known for clear explanations and attentive service, helping clients navigate complex processes with patience and availability.

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(819) 238-7624
Open 8AM - 8PM
1604 Rue Mondrian, Sherbrooke, QC J1N 0J9, Canada
Where they are 10 on the map Click a pin for the profile and directions
6

Michaël Carrier | Planiprêt Courtier hypothécaire à Sherbrooke

Specializing in personalized mortgage solutions, this brokerage offers support throughout every step of the real estate process, from pre-approval to finalizing loans. Their services include home purchases, refinancing, renewals, and construction financing, with a focus on transparent advice and maximizing client savings. Customers appreciate the professional and efficient service.

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(450) 501-4277
Open 00:00 - 23:59
5017 Chem. Laliberté, Sherbrooke, QC J1R 0C2, Canada
7

Sylvain Vachon MBA | Multi-Prêts Courtier hypothécaire à Sherbrooke

With over a decade of experience, this mortgage broker specializes in alternative financing and tailored solutions for self-employed clients. They work with more than 20 financial institutions to assist with purchases, renewals, refinancing, and renovation projects. Clients appreciate clear communication and professional support throughout the process.

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(819) 348-9492
Open 12AM - 11:30PM
1433 de Courville, Sherbrooke, QC J1H 0L6, Canada
8

Raphaël Mercier Courtier Hypothécaire Stagiaire

Offering access to over 200 mortgage products from more than 32 lenders, this brokerage supports clients through purchases, refinances, renewals, transfers, and home equity lines of credit. The team focuses on clear explanations and thorough guidance, helping clients understand their options and feel confident throughout the process. Residential services are provided free of charge.

Services & Prices
Conseil en Refinancement Free Consultation
Évaluation de la Propriété Free Consultation
Évaluation des Besoins $40 - $80
View Profile
(819) 919-6379
Open 00:00 - 23:59
4756 Boul Bourque, Sherbrooke, QC J1N 2A7, Canada
General Services
Refinancement Immobilier
9

Multi-Prêts Sherbrooke

Multi-Prêts Sherbrooke offers clear and transparent mortgage brokerage services, with a focus on answering clients’ questions thoroughly. The team assists with navigating mortgage options efficiently, and customers appreciate their responsive and helpful approach. Some find communication straightforward and informative throughout the process.

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(819) 742-2020
Open 9:00 AM - 5:00 PM
41 Rue King Ouest, Sherbrooke, QC J1H 1P1, Canada
10

James Sibounheuang - Courtier Hypothécaire | Mortgage Broker [Sherbrooke, Magog, Estrie, Eastern Townships]

About Mortgage ArchitectsMortgage Architects is a leading mortgage brokerage firm dedicated to providing personalized and expert mortgage solutions. With a strong presence in Quebec and Ontario, they guide clients through every step of the mortgage process, ensuring their immediate needs are met while considering their long-term financial profiles. The company stays abreast of market trends and… more...

About Mortgage ArchitectsMortgage Architects is a leading mortgage brokerage firm dedicated to providing personalized and expert mortgage solutions. With a strong presence in Quebec and Ontario, they guide clients through every step of the mortgage process, ensuring their immediate needs are met while considering their long-term financial profiles. The company stays abreast of market trends and regulatory changes to offer informed advice and tailored solutions. Their mission is to empower clients to achieve their homeownership and financial goals through strategic mortgage planning.Industry ExpertiseJames Sibounheuang, a licensed mortgage professional in Quebec and Ontario, brings over a decade of financial sector experience and a Bachelor of Commerce from John Molson School of Business. He is fluent in English, French, and Laotian, offering a personalized service to a diverse clientele. Mortgage Architects is committed to finding the best mortgage solutions by understanding the intricacies of the market and regulatory landscape, ensuring clients receive expert guidance for their unique financial situations.Mortgage Architects OffersMortgage Architects provides a comprehensive range of mortgage solutions, including services for purchasing a home, refinancing existing mortgages, and renewing mortgage agreements. They also offer specialized solutions like equipment leasing. Clients can utilize their easy-to-use calculators to determine monthly payments or the affordable home price. The company facilitates a straightforward application process for new mortgages, ensuring clients can secure the financing they need promptly. Their services are designed to cater to various client needs, from first-time homebuyers to seasoned investors.Unique AdvantagesMortgage Architects distinguishes itself through its multilingual team, including James Sibounheuang who speaks English, French, and Laotian, catering to a diverse client base. With over ten years of experience in the financial sector and a solid educational background, they offer deep expertise. The company provides personalized guidance throughout the mortgage process, focusing on long-term financial planning for clients. They also offer accessible online tools like mortgage calculators and a streamlined application process.

View Profile
(450) 331-6757
Open 00:00 - 23:59
Rue Samuel-Gratham, Sherbrooke, QC J1M 1S7, Canada

How this Sherbrooke 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, interest rate, and first-time buyer status.
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?
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 get a 30-year mortgage in Sherbrooke?
Yes, first-time buyers and buyers of new homes can get a 30-year amortization on insured mortgages.
How do monthly debts affect my mortgage amount?
Higher monthly debts reduce your borrowing capacity, as they count towards your TDS ratio.
What is the property tax rate in Quebec?
Property tax is about 0.8% of the home's value annually in Quebec.
What is the difference between pre-approval and pre-qualification?
Pre-approval confirms your mortgage amount after verifying income, debts, credit, and down payment; pre-qualification is an 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.