Mortgage BrokerArchitectes hypothécairesAutorité des marchés financiersQuebec274109 · verify in the register ↗
Juan Gutierrez
Your Quebec mortgage, explained in Spanish.
¿Prefieres español?Ver el sitio en español →
Buy
Your first home in Quebec
5%
down payment on the first $500,000 of the price. With that, a newcomer on a work permit can buy. Government of Canada · read on 2026-10-31 · what it is
Renew
At the end of the term, you decide
120 days
before maturity you can hold your renewal rate. Switching lenders at that moment carries no penalty. Glossary · renewal · what it is
Renewal, explained →Refinance
Use the value of your home
80%
of the property's value is the limit of a refinance, new mortgage included. OSFI, Guideline B-20 · what it is
Refinancing, explained →
The broker
Juan Gutierrez
Mortgage Broker
I serve you in Spanish, French and English. My Autorité des marchés financiers licence can be verified in the public register, under my name.
- AMF licence
- 274109
- Languages
- Español · Français · English
- Regions
- Québec
What is…?
The French terms you will hear
- CELIAPP FHSA
- The FHSA is a Canadian registered account for buying a first home: contributions are tax-deductible and the withdrawal for the purchase is tax-free.
- Mise de fonds down payment
- The down payment is the part of the price you pay with your own money.
- Taxe de bienvenue welcome tax
- The welcome tax is the municipal tax the buyer pays in Quebec after signing the notarial deed.
- Préapprobation pre-approval
- A pre-approval is a lender's assessment of your income, debts and credit before you shop for a home.
- SCHL CMHC
- CMHC is the federal agency that insures mortgages with less than a 20% down payment.
- Notaire · Me notary
- In Quebec a property purchase is signed before a notary, not a lawyer: the notary prepares the deed of sale and the deed of hypothec, verifies title and transfers the funds.
Frequently asked questions
Can I buy a home in Canada on a work permit?
Yes, with conditions. Several lenders accept work-permit holders, and the federal law prohibiting purchases by non-Canadians (in force until January 1, 2027) has an exemption for permits with at least 183 days of validity left. Your case must be checked before any offer.
How much down payment do I need?
The Canadian minimum is 5% on the first $500,000 and 10% on the portion between $500,000 and $1,500,000. Under 20% the loan is insured (CMHC or a private insurer) and the premium is added to the loan.
What is the FHSA?
A registered account for a first home: tax-deductible contributions and a tax-free withdrawal, up to $8,000 per year and $40,000 lifetime. It stacks with the HBP (up to $60,000 from your RRSP).
Does a broker cost more than the bank?
It is the first question worth asking, and the answer depends on your file rather than on a general rule: ask me in the first conversation how I am paid and whether you pay any fee. I tell you before we start, and the loan's full conditions, costs included, are given to you in writing before you sign. The difference from a bank is not the price but the range: I approach several institutions with one file; a bank only offers its own products.
Does my credit from home count in Canada?
It does not transfer. Your Canadian history starts on arrival, but several lenders have newcomer programs that accept a short history or bank references from your home country.
Do you serve outside Montreal?
Yes: I work across Québec. Meetings can be by video call and the final signing happens at the notary.
Let's talk
A first conversation in Spanish, no strings attached.
To learn how much you can borrow and which documents to prepare.