Mortgage broker for Côte-des-Neiges and NDG — in the language you prefer.

Montréal's most populous borough

Côte-des-Neiges–Notre-Dame-de-Grâce is home to universities, major hospitals and some of the city's most diverse communities. Côte-des-Neiges has many condos and rental buildings near the Blue and Orange Line stations; NDG mixes plexes, semi-detached and single-family homes around Monkland Village, Sherbrooke Street and Loyola. Buyers range from first-time purchasers and medical residents to families upsizing and investors.

Mortgages for newcomers and professionals

Many Côte-des-Neiges buyers are new to Canada or early in their careers. Several lenders offer newcomer programs that use foreign credit references and permit status, and some offer professional programs for physicians, residents and other licensed professionals with favourable terms. The rules on down payment, documentation and insurance differ by lender, so choosing the right one is the first step.

Condos: what lenders check

For condos, lenders review the building as well as the buyer: the condo fees, the reserve fund, the certificate of the state of the co-ownership and any special assessments. Québec's condominium rules now require syndicates to maintain a contingency fund study and a maintenance log, which buyers and lenders increasingly ask about. We help you gather what the lender needs early, so the financing condition doesn't run out.

Plexes and family homes in NDG

NDG's duplexes and triplexes appeal to owner-occupants who want rental income to help carry the mortgage. Owner-occupied duplexes can be bought with 5% down (on the first $500,000, and 10% above) and triplexes with 10% down using mortgage insurance. For family homes, the right mortgage balances today's payment with prepayment rights and portability for the next move.

Welcome tax: borough or independent city?

Côte-des-Neiges and NDG are part of the City of Montréal, so Montréal's 2026 brackets apply — $9,349 on a $700,000 purchase. Just next door, Hampstead, Côte-Saint-Luc, Montréal-Ouest and Westmount are independent municipalities that can set their own rates above $500,000. We confirm the rules for your exact address before you make an offer.

Working in your language

Stan works in English, French, Russian and Bulgarian, and many of our clients in this borough prefer to discuss financial decisions in their first language. Documents can be explained in the language you choose, while the deed itself is prepared by the notary.

Buying a condo as an investment

Condos near the universities and hospitals rent steadily, which attracts investors and parents buying for a child who is studying. Lenders treat a non-owner-occupied condo as a rental: expect a down payment of 20% or more, and a review of how the rent will be counted. If a parent buys for a child who will live in the unit, some lenders offer specific programs — the rules differ, so it's worth comparing before you make an offer.

Renewals for long-time NDG owners

Many NDG homeowners bought years ago and now have small balances and large equity. Renewal is the cheapest moment to restructure: shorten the amortization, set up a line of credit for renovations or help a child with a down payment. We compare your lender's renewal offer with other lenders on the same terms before your rate hold expires.

Self-employed professionals and clinic owners

The borough is home to many physicians, dentists, pharmacists and other professionals who are incorporated or self-employed. Lenders read corporate income, dividends and retained earnings in very different ways. We present the full picture to lenders that understand professional incomes, which often means a higher approval amount at a prime rate.