Mortgage broker for Ahuntsic-Cartierville — minutes from our office.

Family homes along the river

Ahuntsic-Cartierville stretches along the Rivière des Prairies, with tree-lined streets of single-family homes, cottages and duplexes in Ahuntsic, Sault-au-Récollet, Bordeaux and Cartierville, plus newer condos near the Orange Line. Many owners have lived here for decades, which shapes the mortgage questions we hear: renewing a smaller balance, financing a renovation, helping children buy, or planning retirement income.

Renewals and refinancing for long-time owners

Owners with significant equity have more options than they often realize. At renewal, there's no penalty to restructure, so it's the cheapest moment to consolidate debt, set up a home equity line of credit for future work, or shorten the amortization. Mid-term, a second mortgage can sometimes release funds without breaking a low first-mortgage rate. We compare all of these before you sign your renewal letter.

Renovating older homes

Many Ahuntsic homes were built in the 1940s to 1960s. Kitchens, basements and energy upgrades are common projects. A HELOC is often the most flexible way to fund work in stages; a refinance may be cheaper for a large project if your renewal is near. If you're buying a home that needs work, some lenders offer purchase-plus-improvements financing that adds the renovation budget to the mortgage.

Retirement planning and reverse mortgages

For homeowners 55 and older, a CHIP Reverse Mortgage can release up to 55% of the home's value tax-free with no regular payments, while you stay in the home. It isn't always the right answer — a line of credit or downsizing can cost less — so we compare the options with you and, if you wish, with your children or financial advisor.

Welcome tax for Ahuntsic-Cartierville buyers

As a Montréal borough, Ahuntsic-Cartierville uses the City's 2026 brackets: 0.5% on the first $62,900, 1% up to $315,000, 1.5% up to $552,300 and 2% up to $1,104,700. A $650,000 purchase carries $8,349 in welcome tax, billed by the City after closing. First-time buyers may recover up to $5,875 of it through Québec's refundable credit for access to homeownership.

Close to our Saint-Laurent office

Our office on boulevard Côte-Vertu is a short drive from most of Ahuntsic-Cartierville, so meeting in person is easy if you prefer it. Many clients still choose phone and video for convenience, and every file is signed with the notary of your choice.

First-time buyers in Ahuntsic-Cartierville

Condos near the Henri-Bourassa and Sauvé stations and smaller homes in Cartierville and Bordeaux attract first-time buyers who want quick access to downtown and to the Laval bridges. We help them use the FHSA, the RRSP Home Buyers' Plan and Québec's refundable welcome-tax credit, and compare lenders on prepayment rights and portability — important for buyers who may upsize within a few years.

Duplex owners: rental income and refinancing

Many owners in the borough live in one unit of a duplex and rent the other. Rental income can help you qualify for a refinance or a larger purchase, but lenders count it differently — some add a portion to your income, others offset it against the building's costs. Choosing the right lender at renewal can significantly increase what you can borrow for renovations or a second property.

Moving within the area: bridge financing

Families who move from a condo to a house, or downsize from a house to a condo, often buy before they sell. A bridge loan lets you use the equity in your current home for the new down payment until the sale closes. It usually requires a firm, unconditional sale, and the cost is interest for the days between the two closings plus a lender fee — far less than the cost of a rushed sale.