Courtier hypothécaire Rosemont Maxime Côté
The trade in this neighbourhood
In Mercier-Hochelaga-Maisonneuve, mortgage brokers work at the heart of a real estate market characterized by a high proportion of renters, who represent 65.8% of households. Transitioning from renting to owning is a major life project, as only 34.2% of households are owners. The professional's role often consists of guiding first-time buyers toward purchasing co-properties or small plexes, since single-family homes make up only 9.9% of the local housing stock. Financing strategies must therefore adapt to this collective urban reality.
Frequently asked questions
- I rent an apartment in the neighborhood and want to buy. Is it difficult to become an owner here?
- With 65.8% of renter households, transitioning to homeownership requires rigorous planning. A broker helps you assess your borrowing capacity to target local co-properties or small plexes.
- How does the median construction year of 1963 influence my mortgage?
- Financial institutions sometimes request specific guarantees or evaluations for buildings constructed during this period. The broker, whose practice is regulated by the Autorité des marchés financiers (AMF), presents your file to reassure lenders about the property's value.
- Can I include renovation costs in my mortgage if I buy a property needing repairs?
- Yes, knowing that 9.2% of dwellings in the neighborhood need major repairs, it is common to use a purchase-plus-improvements mortgage. The broker structures this financing to cover both the purchase and the required work.
Professionals
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