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.
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 |
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Philippe St-Pierre - Courtier Hypothécaire Multi-Prêts, Accrédité Manœuvre Smith®
5.0 · 198 reviews · Free pre-approval
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Martin Nantel-Couture - Multi-Prêts Hypothèques
4.9 · 157 reviews · Free pre-approval
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Jean-Philippe Bélanger|Courtier Hypothécaire|Planiprêt
5.0 · 138 reviews · Free pre-approval
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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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.