Quebec, Canada
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Frederick Amar Mortgage Broker at Ratehub

Frederick Amar · Mortgage Broker

Mortgage calculators

Estimate your payments, how much you can borrow and the welcome tax before talking with Frederick. Results are estimates, not a financing offer.

Payment calculator

See how the down payment, rate and payment frequency change your payments.

Payment

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Total mortgage
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Mortgage default insurance premium, added to the loan
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Tax on the premium, paid separately (not added to the loan)
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Interest over the full amortization
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Actual amortization
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Rate compounded semi-annually, as for fixed-rate mortgages in Canada. With less than 20% down, mortgage default insurance is required, and the tax on the premium cannot be added to the loan. A surcharge may apply to a 30-year amortization.

Borrowing capacity calculator

Estimate your maximum purchase price from your income, debts and the lenders' stress test.

Estimated maximum price

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Maximum mortgage
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Estimated monthly payment at the rate entered
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Qualifying rate used (stress test)
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What limits the amount
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Calculated at the higher of your rate plus 2 points or the 5.25% floor rate, with ratios of 39% (housing costs) and 44% (all debts). For a credit card, count 3% of the balance per month. Each lender applies its own criteria.

Welcome tax calculator

Land transfer duties are paid to the municipality after the purchase.

Estimated transfer duties

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BracketRateDuties
First-time buyer tax credit, estimated
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Estimated net cost after the credit
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2026 rates. Duties are calculated on the higher of the price paid and the adjusted municipal value, and exemptions may apply. Quebec's refundable first-time buyer tax credit covers purchases made since January 1, 2026, if neither you nor your spouse lived in a home you owned in the year of the purchase or the four previous years. You claim it from Revenu Québec.

These calculators give estimates for information only. They are neither an offer nor a loan approval. Actual amounts depend on your file, the lender and your municipality. Parameters in effect on October 23, 2026.

Your numbers, with Frederick

Want to check these numbers?

Frederick can go over these estimates with you and confirm what a lender would actually accept for your file.

Talk to Frederick 514-979-8604