Radical transparency
Where our numbers come from
All public sources used by Courteo calculators and content. You can verify each one. No opaque proprietary numbers.
To understand how these sources are combined, see the calculation methodology.
Rates and monetary policy
5-year Government of Canada bond yield, policy rate, qualifying rate (stress test).
Posted rates Big 6 + Desjardins
Public pages of RBC, TD, BMO, Scotia, CIBC, National Bank, Desjardins. Daily median for the reference market rate.
Housing and mortgage market
SCHL / CMHC — Données statistiques
Canadian mortgage market statistics, LTV ratios, mortgage insurance premiums, housing starts data.
CAFII — Études consommateurs hypothèques
Borrower behavior at renewal (bank retention rate ~70-85%).
Regulation and compliance
AMF — Autorité des marchés financiers (Québec)
Quebec mortgage brokerage regulatory framework, licence registry, representative registration requirements.
AMF firms and representatives registry
AMF licence verification for each broker in the Courteo network. Direct link shown on every broker profile.
Federal mortgage underwriting rules (GDS 39%, TDS 44%, stress test).
Law 25 (Quebec Privacy Act modernization)
Quebec privacy protection framework. The entire Courteo platform is designed for compliance.
Quebec demographics and economy
Socio-economic data by metropolitan area and postal code. Median household income, age structure.
Institut de la statistique du Québec (ISQ)
Quebec regional statistics: income, housing, demographics, consumer behavior.
Real estate prices (when applicable)
QC residential sales statistics published by the Quebec real estate professional association.
Quebec real estate transaction statistics (land registry).
Something looks wrong?
Email rprp@courteo.ca and we'll fix it fast. Transparency isn't a slogan — it's an operational commitment.