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Home purchase

Before you make an offer, an AMF broker can mean thousands of dollars in difference over 25 years.

Whether you're still touring or you already have an accepted offer, a mortgage broker reads your file properly, shops multiple lenders, structures the financing, and coordinates with the notary. No rates posted here — that's the broker's job, with your real numbers.

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This page is for you if

  • You're touring properties or about to submit an offer.
  • You have an accepted offer and need financing.
  • You want a preapproval to know what price range to target.
  • You want to compare several lenders instead of defaulting to your bank.

How it works

  1. Answer a few short questions

    2 to 3 minutes. We never ask for a target rate, your SIN, or an exact credit score.

  2. Brief qualification call

    An agent from our partner calls to clarify your situation. The call is recorded (with notice), your data stays in Canada.

  3. An AMF-licensed broker calls you back

    A broker licensed by the Autorité des marchés financiers takes over. They're the one advising you — not Courteo.

Frequently asked questions

  • When should I talk to a broker?

    Ideally before you make an offer, so you know your borrowing capacity. If you already have an accepted offer, a broker can still shop several lenders during the conditions period (typically 7 to 14 days).

  • What exactly is a preapproval?

    It's an indicative estimate from an AMF-licensed broker, based on your income, down payment and debts. It's not a lender commitment, but it gives you a realistic price range to search within.

  • What down payment do I need?

    Canadian minimum: 5% up to $500k, then 10% between $500k and $1M. Above $1M, 20% minimum (CMHC rules). A broker explains the impact on insurance premiums and monthly payments.

  • Does Courteo help choose the property?

    No. We don't advise on the property, price or neighbourhood. Our role ends at connecting you with a mortgage broker. The real estate agent and the broker remain your interlocutors.

Why trust us

  • Your data is hosted in Quebec and Canada.
  • You can access, correct, or erase your information at any time (Quebec Law 25).
  • No marketing messages without your consent. We honour the national do-not-call list.
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