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Mortgage Broker in Montreal, Quebec

Montreal offers some of the most affordable real estate among Canada's major cities — especially for duplexes and triplexes. LendCity shops 50+ lenders to find the mortgage rate and structure that works for your goals, while navigating Quebec's unique landlord-tenant and tax landscape.

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1

Strategy Call

Discuss your mortgage and investment goals

2

Custom Solution

We shop 50+ lenders for the best fit

3

Fast Approval

Pre-approved in as little as 24-48 hours

Quebec Market Experts

Montreal — Canada's Most Affordable Major City for Investors

Montreal's plexes (duplexes, triplexes, and fourplexes) offer a house-hacking entry point that doesn't exist in most Canadian cities. Buy a plex, live in one unit, and rent the others to offset your mortgage. We work with 50+ lenders to structure financing that takes advantage of Montreal's unique market dynamics.

Montreal
Market Focus
50+
Lender Partners
3 Countries
Canada, USA & Mexico
15+
Years Experience

Deep Montreal Knowledge

From Plateau-Mont-Royal and Rosemont to Verdun, Saint-Henri, and the South Shore — we understand Montreal's diverse arrondissements and how lenders evaluate properties across the Greater Montreal Area.

50+ Lender Network

We don't work for one bank. We shop your mortgage across Canada's top banks, credit unions, monoline lenders, and alternative financiers to find you the lowest rate and best terms available.

Plex & Multi-Unit Specialists

Montreal's iconic duplexes, triplexes, and larger apartment buildings are the backbone of the city's investment market. We structure financing that accounts for Quebec's unique rental regulations and maximizes your cash flow.

Competitive Rates

Montreal's affordability and stable employment market attract strong lender competition. We leverage our 50+ lender network to secure you the best rates and terms for any property type in Quebec.

First-Time Buyers & House Hackers

Montreal is one of the few major Canadian cities where you can buy a plex with as little as 5% down and live in one unit while renting the others. We guide you through CMHC insurance and Quebec's welcome tax to get started.

Self-Employed & Alternative Lending

Montreal's creative, entrepreneurial, and gig economy means many buyers have non-traditional income. If the banks have turned you down, we work with lenders who look at your full financial picture.

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Our Services

Mortgage Solutions for Montreal and Greater Montreal

From buying your first plex in Villeray to financing an apartment building in Laval, we provide every type of mortgage financing Montreal residents and investors need.

Home Purchase

Montreal remains one of Canada's most affordable major cities for homeownership. Whether you're buying a condo in Griffintown or a detached home in the West Island, we find you the best rate across 50+ lenders and help you navigate Quebec's welcome tax.

Explore Home Purchase Options

What's Included

  • As little as 5% down with CMHC insurance
  • Quebec welcome tax guidance
  • Pre-approval in 24-48 hours
  • Local knowledge of Montreal arrondissements
  • Fixed and variable rate options

Investment Property

Montreal's plex market is legendary — duplexes, triplexes, and fourplexes that let you live in one unit and rent the rest. We structure financing for all multi-unit properties, factoring in Quebec's rental regulations to ensure your cash flow projections are realistic.

See Investment Financing Options

What's Included

  • Rental income used for qualification (50-80%)
  • DSCR loan options for investors
  • Owner-occupied plex financing (5% down)
  • Portfolio mortgage solutions
  • Cash flow analysis with Quebec rental rules

Refinance

If you own property in Montreal, refinancing can lower your rate, access equity for your next investment, or consolidate high-interest debt. Montreal's rising values mean many owners have more equity than they realize.

Explore Refinance Options

What's Included

  • Rate and term refinancing
  • Cash-out up to 80% LTV
  • Debt consolidation
  • Blend and extend options
  • Penalty buyout analysis

Self-Employed

Montreal's creative industries, tech startups, and gig economy generate many self-employed professionals. If your tax returns don't reflect your true earning power, we work with lenders who accept bank statements, stated income, and business financials.

See Self-Employed Solutions

What's Included

  • Stated income programs
  • Bank statement verification
  • Business financial analysis
  • Gross-up programs for declared income
  • Alternative documentation accepted

DSCR Loans

Qualify based on the property's rental income — not your personal income. Montreal's affordable purchase prices and strong rents create excellent DSCR ratios, making it one of the best markets for scaling with these loans.

See How DSCR Loans Work

What's Included

  • Qualify on rental income, not personal income
  • Available for residential and commercial properties
  • No income documentation required
  • Multi-unit and commercial properties
  • Scale your portfolio without income caps

Montreal Mortgage Market Insights

Montreal is a market unlike any other in Canada. The plex culture means that first-time buyers can house-hack their way into real estate investing from day one. Quebec's unique landlord-tenant laws — including the Tribunal administratif du logement (TAL) and restrictions on rent increases — require a broker who understands how these rules affect financing and cash flow projections.

Whether you're exploring how to invest in Montreal real estate, looking into multifamily financing options in Quebec, or researching commercial mortgage options in Montreal, our team brings the lender relationships and market knowledge to make your deal work.
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FAQ

Questions About Mortgage Solutions for Montreal and Greater Montreal

Everything you need to know about mortgage solutions for montreal and greater montreal.

Montreal Mortgage Basics

Your bank only offers their own products. As mortgage brokers, we shop your application across 50+ lenders — banks, credit unions, and alternative financiers — to find the lowest rate and best terms. In Montreal's plex market, structuring the right mortgage is especially important because rental income calculations directly affect your qualification.
For a primary residence, as little as 5% down — and in Montreal, this applies to plexes up to 4 units as long as you live in one unit. Non-owner-occupied investment properties require 20% down. Montreal's affordable prices mean your down payment goes significantly further than in Toronto or Vancouver.
Quebec's welcome tax (droits de mutation) is similar to Ontario's land transfer tax. It ranges from 0.5% to 1.5% of the property value, with rates increasing on higher brackets. First-time buyers in Montreal don't get an exemption like in Ontario, so we factor this into your total closing costs during pre-approval.
Mortgage rates in Montreal follow national trends but can vary based on lender appetite for Quebec properties. Because we work with over 50 lenders, we often secure rates below advertised levels. Contact us for a real-time quote based on your situation.
Absolutely. While Quebec has language laws for business, mortgage lending is conducted in whatever language you prefer. Our team works with English-speaking clients across Montreal and can connect you with English-speaking lawyers, inspectors, and other professionals.

Montreal Real Estate Investing

Montreal's duplexes, triplexes, and fourplexes let you buy with as little as 5% down (owner-occupied), live in one unit, and rent the others to cover most or all of your mortgage. This house-hacking strategy is uniquely accessible in Montreal because plex prices remain far below Toronto or Vancouver levels.
Quebec's Tribunal administratif du logement (TAL) governs rent increases and tenant rights. Rent increases are guided by a calculation formula, and evictions require specific legal grounds. We factor these regulations into your cash flow projections to ensure your financing is structured conservatively with realistic income assumptions.
Verdun, Saint-Henri, and Parc-Extension offer affordable plexes with strong rental demand. Villeray and Rosemont attract young professionals. The South Shore communities like Longueuil provide lower entry points. The best neighbourhood depends on your budget and strategy — we help you model the financing for any area.
Yes. We finance small multifamily (2-4 units) through residential lenders and larger buildings (5+ units) through commercial and CMHC MLI insured programs. Montreal's affordable per-door pricing makes apartment buildings here among the most financially attractive in Canada.

Process & Local Expertise

First-time buyers are a huge part of our Montreal business. The plex strategy lets you become both a homeowner and a landlord from day one. We guide you through CMHC insurance, the stress test, Quebec's welcome tax, and federal programs to maximize your purchasing power.
For most files, we can get a pre-approval in 24 to 48 hours, so you can move confidently in Montreal's increasingly competitive market.
Yes. We have a trusted network of Montreal real estate lawyers (notaires), home inspectors, and property managers who serve both English and French-speaking clients. Our local connections ensure your transaction goes smoothly from offer to closing.

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