What does my mortgage payment include?
It covers mortgage principal and interest. Property taxes, home insurance, condo fees and purchase costs are additional expenses to include in your budget.
Your mortgage deserves a closer look than just the rate.Service at no cost.
Before you commit for years, you should know exactly what you’re agreeing to. I take the time to get to know you, answer your questions and explain how each choice affects you. From our first conversation to the final details of your file, I take care of it with the same attention as if it were my own.
Discuss your project
01 / YOUR PLANS
Calculate your mortgage payment
Choose whether you’re buying, renewing or refinancing. The results adjust to your choice.
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100 000 $1 500 000 $
10 % of the property price
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$
An example rate, not an offer.
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1 %10 %
Fine-tune my estimateFrequency, amortization, extra payments and date
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The amounts you enter are not transmitted. Free, no account.
YOUR LIVE ESTIMATE
Estimated payment
—/ per month
Financed amount—
Balance at end of term—
Interest during term—
Your financing, at a glance—
If the rate were 1 percentage point higher—Effect on standard monthly payments, all else equal.
Accelerated or extra payments—Illustrative lifetime-interest difference at a constant rate.
HOME PURCHASE
Estimated mortgage insurance—
Tax on premium, paid separately—
Estimated minimum down payment—
YOUR FULL BUDGET
What will this home really cost?
Your payment updates whenever you change an amount. Add only the other expenses you know.
Mortgage payments per month—
Other expenses per month—
Estimated monthly budget—
Add my expenses (optional)
Money to set aside for a purchase
Down payment—
Mortgage insurance premium tax—
Estimated 2026 land-transfer duty—
Other costs entered—
Amounts to set aside (partial estimate)—
Specify the municipality and other expenses (optional)
Enter only verified amounts. Other unentered costs are not included. Taxes are generally billed after acquisition.
Only amounts you enter are counted. Blank costs are $0, so the displayed total may be lower than your actual budget. This is not preapproval.
Compare 5%, 10% and 20% down payments
No calculation data is stored or sent.
02 / YOUR NEXT MOVE
Before you make an offer, let’s look at the numbers.
Have a price and down payment in mind? I can review the financing terms worth checking before you make an offer.
Copy your estimate to keep it handy. I can help you review what a calculator can’t confirm.
Or call Isabelle at 514-260-4838No calculation amounts are sent when booking. Your calendar opens with a third-party service.
Understanding your estimate
Down payment and mortgage insurance
With less than a 20% down payment, mortgage default insurance is generally required for an eligible purchase. The premium may be added to the loan, but Quebec tax on that premium must be paid separately.
Why does the renewal balance matter?
A portion of the mortgage usually remains at the end of the term. Your next interest rate will apply to that balance and affect your future payments.
Can accelerated payments make a difference?
Yes. They may help you repay more principal each year and pay off the mortgage sooner, depending on your loan terms.
Is the displayed rate an offer or approval?
No. It is an adjustable example rate. This estimate does not confirm eligibility or check your income, debts or the property’s appraised value.
Are my figures stored?
No. Calculations run in your browser, without an account. The amounts you enter are not sent to the booking calendar.
Calculation method: For fixed-rate mortgages, the calculator converts a nominal annual rate compounded semiannually to the selected payment frequency.
BEFORE YOU DECIDE
What to check before you sign.
Total home purchase costDown payment, land transfer duty and cash to set aside.Mortgage affordabilityIncome, debts, lending ratios and qualifying rates.Fixed or variable ratesUnderstand changing-rate risk and contract differences.Mortgage break penaltiesUnderstand early-break charges before changing lenders.
LOCAL MORTGAGE GUIDANCE
Joliette, Saint-Liguori and Lanaudière
An attractive rate is only part of the picture. You also need to look at penalties, repayment options and what happens at renewal. In Joliette, Saint-Liguori and the surrounding area, I can help you compare mortgage offer terms.
The free Québec mortgage calculator helps you prepare questions; professional advice helps verify the real financing conditions.
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