Useful resources

Official sources so you can check for yourself.

I would rather have a client who asks questions than one who signs without reading. Here is where to find independent information.

Verify a professional

Autorité des marchés financiers
The register of firms and individuals licensed to operate in Quebec. You can look up my licence — number 241221 — and that of any mortgage broker. Do it. It takes thirty seconds.

OACIQ
To verify a real estate broker and understand your rights during a transaction.

Your credit file

Equifax Canada and TransUnion Canada
You are entitled to a free copy of your file. Do it once a year and correct any errors before submitting a mortgage application.

Understanding the market

Bank of Canada
Policy rate announcement dates and official statements. That rate drives the prime rate at financial institutions, and therefore variable-rate mortgages.

CMHC
Mortgage loan insurance, down payment rules, and housing market data.

Programs and consumer protection

Financial Consumer Agency of Canada
Neutral calculators, mortgage guides, and information on your rights with a financial institution.

Société d’habitation du Québec
Provincial housing and renovation assistance programs.

Government programs, thresholds and mortgage rules change regularly. These sites are authoritative; anything you read elsewhere, including on my site, should be confirmed at the time of your transaction.