Logo Patrimoine 360



Copyright 2019 Patrimoine 360.
All rights reserved.

1 888 766-7738

Call Us For Free Consultation




How much can you borrow?

Multiple opportunities

Real estate investment

Refinancing and renewal


Financial Services

Loan limits

Our brokers



Know your borrowing limit

How much can you borrow?

This is probably the most important question you ask yourself.

In the mortgage consultant’s jargon we are talking more about “comfort zone”. Indeed our concern as an advisor is to evaluate as accurately as possible the level of payment with which you will be comfortable.
At Planipret Mortgage Agency, our philosophy is to find the most realistic level of borrowing for you. We are committed to your budget balance.

Control your debt ratio

From a technical point of view the banks require to respect a debt ratio for the future property of 19%. That is, housing expenses will not exceed 39% of your gross income. Example you earn $ 3000 / month, you have $ 1000 a month mortgage, school taxes, municipal taxes and heating. Your debt ratio is therefore 33%.
At the level of the analysis we have other indicators to respect. The goal is to enable you to achieve your dream while ensuring that you will be comfortable in your personal life.

Ask for your mortgage pre-qualification

Call us now, as part of a pre-qualification, your advisor will also discuss with you the following concepts:

  • Fixed or variable rate mortgage?
  • Accurate assessment of costs related to a purchase (welcome taxes, moving, etc.)
  • Tax aspect and benefits for first time buyers: the HBP and the HBP loan.
  • Tools and resources to help you in your efforts (References of building inspectors, notaries etc.)

The Mortgage Advisor, the central actor of your real estate transaction!

Contact us now

Free estimate

Je suis :