Help Center

To create your AcheteurFuté account, click "Get started for free" on the homepage or the "Sign in" button in the top right corner, then choose "Create an account".

Two ways to sign up:

• Magic link — Enter your email and receive an instant login link. Click the link in the email and you'll be logged in automatically, with no password to remember. The link is valid for a limited time.
• Password — Choose a password of at least 8 characters. You can reset it at any time through the "Forgot password" page.

Your email address must be valid, as it is used for password recovery and important notifications (subscription confirmation, payment receipts, etc.).

After your first login, you'll be directed to the onboarding process to personalize your experience: profile, financial situation, search criteria, and priorities. This is what allows the AI coach to give you advice tailored to your situation.

Your account is 100 % free — no credit card is required to get started. The Free plan includes basic calculators, 3 messages per day with the AI coach, and 1 listing import per month. You can upgrade to a higher plan when you're ready, directly from your profile.

The application is available in French and English. You can change the language at any time using the FR/EN toggle in the menu.

On your first login, you'll be guided through 5 steps to personalize your experience:

Step 1 — Profile: Your name and basic contact information.

Step 2 — Buyer type: Choose from 6 profiles that adapt the coach's behavior and property scoring:

• First-time buyer (25-40 years old, first project)
• Growing family (need more space)
• Investor (plex and rental income)
• Retiree (downsizing or relocating)
• Couple without children (first home together)
• Resale (current homeowner looking to buy elsewhere)

Step 3 — Finances: Your gross annual income, partner's income (if applicable), monthly debts, and savings (FHSA, RRSP available for HBP, other savings). If you already own a home, you can also enter your current property value and mortgage balance to calculate your equity.

Step 4 — Lifestyle: Your preferences for the ideal neighborhood (urban, suburban, or rural), target region, and approximate budget.

Step 5 — Priorities: 6 importance sliders (0 to 5) to weight what matters most: public transit, schools and daycares, shops, green spaces, neighborhood quietness, and outdoor space.

You can skip onboarding and come back to it later — click "Skip" at the bottom of the page. Your data automatically syncs with the calculators: income pre-fills borrowing capacity, savings pre-fill the down payment, and so on.

You can update all this information at any time in the "Profile" and "My Criteria" sections. The buyer type you choose influences the coach's advice, compatibility scores, and AI recommendations throughout the entire application.

The application is designed to be simple and intuitive, whether you're on desktop or mobile.

On desktop: the sidebar is always visible on the left. It displays all sections and your current plan. You can collapse it for more screen space.

On mobile: a hamburger menu (three lines) in the top left opens the navigation. The design is fully responsive — all tools work just as well on phone as on tablet.

Main sections:

• Home — Your dashboard with a summary of your situation, key stats, and 4 quick actions
• AI Coach — Ask your real estate questions and get personalized answers
• Calculators — 5 interconnected financial tools (down payment, borrowing capacity, CMHC, welcome tax, total cost)
• My Criteria — Your search preferences with weighted priority sliders
• Properties — Import listings, view them on the map, compare side by side
• Neighborhoods — Analyze and compare neighborhoods with scores on 25 criteria
• Inspection — Have your inspection reports analyzed by AI
• Real Estate Market — Analyze trends across 15 Quebec regions
• My Report — Complete report and overall score of your situation
• My Home — Post-purchase tools (value, mortgage, reminders, maintenance, renovations, resale, budget, coach)
• Profile — Account settings and subscription management

The help button (?) is always accessible in the sidebar. It takes you directly to the built-in help center — no need to leave the application.

All your data is saved automatically. You never need to click "Save" — when you leave a page, everything is preserved and synced across sections.

AcheteurFuté offers 3 plans, all powered by the same premium AI model: Claude Sonnet by Anthropic. No plan has a degraded AI model — the quality of responses is identical regardless of your plan.

Free ($0/month):

• 3 AI coach messages per day
• 2 basic calculators (down payment and borrowing capacity)
• 1 listing import per month
• 1 neighborhood analysis per month
• 2 saved properties maximum

Exploration ($15/month):

• 15 AI coach messages per day
• All 5 financial calculators
• 12 listing imports per month
• 7 neighborhood analyses per month
• 7 coach comparisons per month
• 4 inspection analyses per month
• 4 personalized AI reports per month
• 10 saved properties
• Access to My Home (post-purchase tools)
• PDF export (reports, comparisons)

Pro ($25/month):

• 50 AI coach messages per day
• All 5 financial calculators
• 30 listing imports per month
• 15 neighborhood analyses per month
• 15 coach comparisons per month
• 7 inspection analyses per month
• 7 personalized AI reports per month
• Unlimited saved properties
• AI streaming (progressive real-time responses)
• Profile-adapted compatibility scoring
• Access to My Home + PDF export

The only difference between plans is the number of uses per day and per month. You always get the same AI quality.

You can change plans at any time from the Profile > Subscription section. The Stripe portal lets you manage your billing, update your credit card, download your invoices, or cancel your subscription on your own.

This calculator adds up all your savings sources available to build your down payment.

FHSA (First Home Savings Account):

• Maximum of $8,000 per year, up to $40,000 lifetime
• Contributions are tax-deductible (like an RRSP)
• Withdrawals for purchase are tax-free (like a TFSA)
• It's the double advantage: deduction going in AND exemption going out
• Reserved for first-time buyers only: you must not have owned a home in the current year or the previous 4 years

HBP (Home Buyers' Plan):

• Allows you to withdraw up to $60,000 per person from your RRSPs
• The amount must be repaid into your RRSPs over 15 years (otherwise it's added to your taxable income)
• Reserved for first-time buyers only (same definition as FHSA)
• As a couple, each person can withdraw $60,000, for a total of $120,000

Definition of "first-time buyer": you have not been an owner-occupant of a home during the current year or the 4 preceding calendar years. If your spouse is a homeowner, that also disqualifies you.

If you are NOT a first-time buyer: the FHSA and HBP fields are automatically disabled (greyed out). However, you can check the box to include your current property equity in the calculation. Equity is your property value minus the mortgage balance, minus your home equity line of credit (HELOC), minus estimated selling costs (~5 % of the sale price including broker and notary).

Other savings: any available amount outside of FHSA and HBP (TFSA, savings account, inheritance, family gift, etc.). This field is always available, whether you're a first-time buyer or not.

The calculator shows your total available and the down payment percentage based on the property price you're targeting. Fields are pre-filled from your profile data if you've completed it.

This calculator estimates how much you can borrow based on your gross income and existing debts. It uses the same ratios that banks and mortgage brokers apply in Canada.

GDS ratio (Gross Debt Service) — maximum 39 %:

This ratio measures your housing costs relative to your gross income. It includes: the mortgage payment (principal + interest), municipal and school taxes, heating, and condo fees (if applicable). Your housing costs must not exceed 39 % of your gross income.

TDS ratio (Total Debt Service) — maximum 44 %:

This ratio measures all your debts (housing + other) relative to your gross income. "Other debts" include: car payments, student loans, minimum credit card payments, lines of credit, alimony, etc.

How it works: the calculator takes the more restrictive of the two ratios to determine your maximum borrowing amount. For example, with a gross income of $80,000 and $500 in monthly debts, your capacity will be limited by the TDS ratio rather than the GDS.

Fields are pre-filled from your profile if you've completed it. You can adjust the interest rate and amortization period to see the impact on your capacity.

Important: this calculation is an estimate. To know your exact capacity, get a mortgage pre-approval from a bank or mortgage broker. Pre-approval is free and gives you a guaranteed amount for 90 to 120 days.

The CMHC premium (Canada Mortgage and Housing Corporation) is mandatory mortgage insurance when your down payment is less than 20 % of the purchase price. It protects the lender (not you!) in case of payment default.

Why does it exist? Banks consider a loan with less than 20 % down payment to be higher risk. CMHC insurance guarantees repayment to the lender if you can no longer make payments. This is what allows you to buy with as little as 5 % down payment.

The 4 premium tiers:

• Down payment 5 % to 9.99 % — Premium of 4.00 % of the loan amount
• Down payment 10 % to 14.99 % — Premium of 3.10 % of the loan amount
• Down payment 15 % to 19.99 % — Premium of 2.80 % of the loan amount
• Down payment 20 % and above — No premium required

Concrete example: for a $400,000 property with a 5 % down payment ($20,000), the loan is $380,000. The CMHC premium is $380,000 x 4.00 % = $15,200. This amount is added to your mortgage, not paid in cash — you repay it gradually with your monthly payments.

Price limit: CMHC insurance is not available for properties over $1,500,000. Above that amount, you must put down at least 20 %.

Tips to reduce or avoid the CMHC premium:

• Aim for 20 % down payment if possible — it saves you thousands of dollars
• Each 5 % tier reduces the premium rate. Going from 9 % to 10 % down payment saves you 0.90 % of the loan
• As a couple, combine your FHSAs and HBPs to reach 20 % faster

The welcome tax — officially called land transfer duties — is a one-time amount you must pay to your municipality when purchasing a property. It's a cost often underestimated by buyers.

Quebec's 5 provincial brackets:

• $0 to $58,900 — 0.5 %
• $58,900 to $294,600 — 1.0 %
• $294,600 to $552,300 — 1.5 %
• $552,300 to $1,104,700 — 2.0 %
• Over $1,104,700 — 2.5 %

The calculation is progressive (like income tax): each bracket applies only to the portion of the price that falls within that bracket.

Municipal supplements: some cities add an extra rate on higher brackets. The calculator includes 25 Quebec cities in the dropdown. Cities with no supplement display a green checkmark for reassurance. Among cities with supplements, you'll find Montreal (1 % additional on the portion above $552,300), Quebec City, and Gatineau.

Payment timeline: you'll receive the welcome tax bill by mail, generally within 60 to 90 days after signing at the notary's office. This amount must be paid in cash — it cannot be added to your mortgage. Plan for it in your day-1 cash reserves.

First-time buyer exemptions: some municipalities offer a credit or partial exemption from the welcome tax for first-time buyers. Check with your city — it's not automatic and you may need to apply.

Example: for a $450,000 property in Montreal, the welcome tax would be approximately $4,978. It's a significant amount to plan for in your acquisition budget.

This is AcheteurFuté's most comprehensive calculator — it gives you the true monthly cost of your property, not just the mortgage payment.

Recurring monthly costs:

• Mortgage payment — Principal + interest (including CMHC premium if applicable)
• Municipal taxes — Divided by 12 for the monthly amount
• School taxes — Often forgotten, but they add up!
• Home insurance — Required to obtain a mortgage
• Condo fees — If applicable, always shown monthly (the calculator auto-corrects if the amount seems annual)
• Maintenance — Estimated at about 1 % of the property value per year. For a $400,000 home, that's ~$333/month
• Heating — Estimated budget for houses (condos often include it in their fees)

Acquisition costs (day 1) — What you need to plan before moving in:

• Notary — $1,500 to $2,500 (mandatory in Quebec to finalize the sale)
• Inspection — $500 to $800 (strongly recommended)
• Appraisal — Sometimes required by the lender
• Moving — Varies by distance and volume
• Initial renovations — Painting, floors, urgent repairs
• Seller adjustments — Municipal and school taxes prorated
• GST/QST — Applies only to new construction

Day-1 cash needs: the calculator adds up all acquisition costs to show you the total amount you need beyond your down payment. This is often a surprise for first-time buyers — plan for $3,000 to $8,000 in fees.

Built-in AI analysis: the calculator automatically generates personalized insights (alerts if your debt ratio is high, optimization suggestions, and comparative scenarios). Fields are pre-filled from your profile and other calculator results.

AcheteurFuté's 5 calculators are interconnected — they share common fields and update automatically to give you a consistent view of your financial situation.

Shared fields between calculators:

• Purchase price — Used by all calculators
• Down payment — Calculated in the first, used by the CMHC premium and total cost
• Interest rate — Shared between borrowing capacity and total cost
• City — Selected in the welcome tax calculator, reused in total cost

The logical flow:

1. Down payment — You calculate how much you can put down (FHSA + HBP + savings or equity)
2. Borrowing capacity — You discover how much the bank would lend you
3. CMHC premium — If your down payment is < 20 %, you see the insurance cost
4. Welcome tax — You calculate this one-time amount to plan for in cash
5. Total cost — You assemble the complete picture: mortgage + taxes + insurance + condo + fees

Each calculator guides you to the next one with a navigation button. When you modify a value in one calculator (for example, the purchase price), the others update automatically.

Results are saved automatically between navigations. If you leave the page and come back, your last entered values are preserved. Results also feed the AI report and the coach.

Educational content: each calculator includes built-in explanations to help you understand the financial concepts. You don't need to search elsewhere — everything is explained on the spot.

The Rates page lets you track and compare mortgage rates offered by major Quebec financial institutions.

What you can do:

• Compare rates from major banks and credit unions, regularly updated, for the most common terms (1-year, 3-year, 5-year fixed or variable)
• Save offers you receive from your mortgage advisors to keep them in one place and compare them easily
• Simulate the impact of a rate on your monthly payment using the built-in simulator — enter a rate, an amount, and an amortization period to see the result instantly
• Access external comparators via direct links to recognized sites (Ratehub, nesto, etc.)

Tip: note the best rate you find and ask your AI coach to help you prepare your negotiation with your bank. A 0.25 % difference over 25 years can represent thousands of dollars in savings!

The Mortgage Rates page doesn't just list numbers — it's interconnected with your entire profile.

Advanced features:

• Savings between offers — if you've noted multiple offers, the app calculates how much you save per month and over 25 years between the best and worst
• Impact on your capacity — visual bars show the maximum price you can buy at 3.35 %, 4.04 % and 4.99 %. The difference can be tens of thousands of dollars
• Renewal alert — if you've entered a renewal date in My Home, a banner alerts you when it's approaching
• AI mortgage coach — analyzes your situation and advises: fixed or variable, which term, negotiation strategy, timing
• Pre-filled — loan amount and amortization come automatically from your calculators

Rate sources are displayed (Ratehub, nesto, Bank of Canada) with a note that these are indicative rates to verify.

Listing import lets you add properties to your list in seconds, directly from the most popular listing sites in Quebec.

5 supported sources:

• Centris — Paste the listing URL
• DuProprio — Paste the listing URL
• Proprio Direct — Paste the listing URL
• Realtor.ca — Paste the listing URL
• Facebook Marketplace — Copy-paste the listing text (Facebook URLs are not supported, but the text works perfectly)

How it works: paste the URL or text in the import field and click "Import". The AI analyzes the content and automatically extracts all available data.

What gets extracted: full address, asking price, property type, number of bedrooms and bathrooms, living area, year of construction, municipal and school taxes, condo fees, parking, basement type, heating system, lot dimensions, municipal assessment, and the link to the original listing.

Automatic corrections: if the AI detects that condo fees seem to be an annual amount (> $800/month), it automatically converts them to monthly for consistent calculations.

Validation: only real estate listings are accepted. If you paste a link to furniture, a car, or any non-real estate item, the AI will politely let you know.

Once imported, the property appears on the interactive OpenStreetMap with a geolocated marker. It is automatically saved to your list and a proximity analysis launches automatically in the background (about 1 minute) to evaluate nearby services.

If you already have an inspection report for the same address, it will be automatically linked to the property.

All your imported properties are displayed on an interactive OpenStreetMap at the top of the Properties page. Each property is represented by a geolocated marker.

Marker interaction: click a marker to open a popup showing the address, asking price, and three quick links:

• See listing — Opens the original listing on the source site (Centris, DuProprio, etc.)
• See card — Opens the property detail card in AcheteurFuté
• Services — Shows points of interest (POI) within a 2km radius around the property

Nearby services: when you click "Services", the map displays nearby businesses and services, organized into 8 categories with filters:

• Schools (elementary, high school, CEGEP)
• Groceries and supermarkets
• Public transit (metro stations, bus stops, train stations)
• Parks and green spaces
• Health (clinics, pharmacies, hospitals)
• Restaurants and cafes
• Bike paths and bike sharing
• Daycares and CPEs

Smart filters: categories are pre-selected based on your onboarding priorities. Family profile = schools and daycares enabled by default. Urban profile = public transit prioritized.

Real data: POIs come from OpenStreetMap (not AI-generated) — these are real geographic data. Distance is shown for each POI. Maximum ~50 POIs displayed to avoid clutter.

The proximity analysis is an automatic evaluation of services and amenities around each imported property. It runs in the background as soon as a listing is imported and takes about 1 minute.

10 categories evaluated (score from 1 to 10 each):

Public transit, schools and daycares, shops and groceries, green spaces and parks, health and pharmacies, restaurants and cafes, leisure and culture, neighborhood safety, road access and highways, overall quality of life.

Personalization: scores are weighted according to your onboarding priorities. If you set "Public transit" to 5/5, this criterion will count much more in the overall proximity score.

Impact on scoring: the proximity score is integrated into the property's compatibility score. A well-located property relative to your priorities will have a better overall score.

Integration with report: proximity results are automatically included in the AI report analysis.

Refresh: you can re-run the proximity analysis manually if needed.

Anti-hallucination: the analysis won't invent metro stations or schools that don't exist. If the area is poorly documented, the coach will flag it with a lower confidence indicator.

Each property receives a compatibility score out of 100 calculated automatically from your criteria defined in "My Criteria". It's your main tool to quickly identify the properties that best match what you're looking for.

Factors evaluated:

• Budget — The property price relative to your target budget. A property within your budget scores higher than one that exceeds it.
• Property type — Condo, house, plex — does it match what you're looking for?
• Number of bedrooms — Compared to the number you specified in your criteria
• Living area — The living space compared to your preference
• Year of construction — Whether you prefer new builds or don't mind older homes
• Parking — Garage, indoor or outdoor parking

Weighted by your priorities: scores are weighted according to the importance sliders you set during onboarding (transit, schools, shops, green spaces, quietness, outdoor space). If you set "Schools" to 5/5, that criterion weighs more heavily in the score.

Integrated neighborhood scores: if you've already analyzed the property's neighborhood, the neighborhood scores (transit, schools, shops, etc.) are automatically integrated into the compatibility calculation.

Where to see the score:

• Circular badge in the property list (corner of each card)
• Progress bars in the property detail card (breakdown by criterion)
• "Best match" badge in the comparison view for the property with the highest score

Scores update automatically if you modify your criteria or priorities.

Each property has a "My Notes" section in its detail card. You can write your visit impressions or any information not included in the listing.

Examples of useful notes:

• "Kitchen renovated in 2024, quartz countertops"
• "Bathroom needs work, damaged floor"
• "Noisy neighbor"
• "Heated garage, ideal for workshop"

Important: your notes directly influence the AI coach's analyses. When you ask the coach to analyze a property or compare your selections, it takes your notes into account. For example, if you note "renovated kitchen", the coach will consider it an asset. If you note "cracked foundation", it will factor it in as a risk.

Your notes are saved automatically and remain private.

Enter the name of any neighborhood, city, or area in Quebec to get a comprehensive AI-generated analysis. Whether it's "Rosemont-La Petite-Patrie", "Terrebonne", or "Vieux-Quebec", the coach knows the territory.

What the analysis includes:

• Overall score out of 100 — A weighted overall rating based on your personal priorities
• Detailed scores on 25 criteria (from 1 to 10 each) — Transit, schools, shops, green spaces, safety, community life, highways, restaurants, appreciation potential, quality of life
• Demographic portrait — Population, density, household types, socioeconomic profile
• Real estate market statistics — Median price, price trends, transaction volume, average selling time
• Strengths and things to watch for — What makes the neighborhood great and what to keep in mind
• Personalized advice — Recommendations adapted to your buyer profile (first-time buyer, family, investor, etc.)
• Confidence indicator — The coach indicates whether its analysis is based on solid data (high confidence) or if the area is less documented (medium or low confidence)

Anti-hallucination measures: the AI coach will not invent metro stations, schools, or infrastructure that don't exist. If it's not sure about a piece of information, it flags it clearly rather than making things up.

Each analysis is automatically saved for future reference. You can come back to it anytime from the Neighborhoods section.

Each neighborhood is evaluated on 25 criteria with a score from 1 to 10. Here is what each criterion measures:

1. Public transit — Proximity and frequency of metro, buses, REM, and commuter trains. A neighborhood with a metro station within walking distance will score high.

2. Schools and daycares — Presence and quality of elementary schools, high schools, CPEs (childcare centers), and private daycares. Important for families.

3. Shops and services — Grocery stores, pharmacies, banks, medical clinics, local services. Can you run errands on foot?

4. Green spaces and parks — Parks, bike paths, access to nature, outdoor recreation areas. Important for quality of life and families.

5. Safety — Crime rate, sense of security, public lighting. Based on available police data and neighborhood reputation.

6. Community life — Libraries, community centers, local activities, neighborhood spirit, public markets.

7. Highway access — Proximity to major highways and traffic flow. Useful if you work in the suburbs or need to commute by car.

8. Restaurants and entertainment — Restaurant, cafe, bar, cinema, and venue offerings. The nightlife and cultural scene of the neighborhood.

9. Appreciation potential — Planned development projects, market trends, municipal investments. Is the neighborhood on the rise?

10. Overall quality of life — An overall score that factors in ambiance, noise, cleanliness, and general well-being.

Scores are weighted according to your priorities set in "My Criteria". If you set "Transit" to 5/5 and "Restaurants" to 1/5, transit will weigh much more heavily in the neighborhood's overall score.

When you compare two neighborhoods in the Neighborhoods section, a radar chart appears to visualize the strengths and weaknesses of each neighborhood side by side.

8 criteria displayed:

Schools, Transit, Shops, Green spaces, Safety, Family-friendly, Restaurants and Cultural life.

Each neighborhood is represented by a different color (green and gold). Scores from 0 to 10 are displayed on each axis. At a glance, you see which neighborhood is stronger on which criterion.

The radar is generated in pure SVG — no external library, no loading time. It accompanies the comparison table and the AI coach analysis.

In each property's detail card, the Comparable Sales section helps you evaluate whether the asking price is fair.

How to use it:

1. Search for recent sales in the area via Centris, DuProprio or Google links
2. Add them manually (address, price, date, type)
3. Compare with your property's asking price

The comparables you add are saved and contribute to your understanding of the local market. They are also taken into account by the AI coach when you ask it to analyze a property.

The Real Estate Market section gives you access to in-depth market analysis across 15 Quebec regions: Montreal, Laval, North Shore, South Shore, Longueuil, Quebec City, Gatineau, Sherbrooke, Trois-Rivieres, Saguenay, Drummondville, Granby, Saint-Jean-sur-Richelieu, Saint-Hyacinthe, and Rimouski.

The Analysis mode gives you a complete picture of a city or neighborhood's market:

• Price trends — Rising, falling, or stable, with the percentage change
• Transaction volume — Number of recent sales, indicating market activity
• Average selling time — How long properties stay on the market
• Median price by type — Condo, house, plex — to know if your budget is realistic
• Seller/buyer ratio — Seller's market (prices go up) or buyer's market (you have more negotiating power)
• Forecasts and outlook — Anticipated trends for the coming months

The tool offers 4 analysis modes: Analysis (general portrait), Compare (two markets side by side), By type (filter by condo/house/plex), and My impact (your position in the market). Each mode is detailed in the following articles.

Analyses are generated by the AI coach and can be saved for future reference.

The Compare mode lets you put 2 or 3 markets side by side to identify the best opportunities for your budget.

What the comparison shows:

• Median prices by property type in each market
• Price trends — Which market is rising fastest? Which one is stabilizing?
• Sales volume — An active market (many sales) vs. a quiet market
• Average selling time — How many days do properties take to sell?
• Seller/buyer ratio — A ratio favorable to buyers means more choice and negotiating room
• Recent changes — Month-over-month changes to detect emerging trends

Usage example: you're hesitating between Laval and the South Shore? Compare the two markets to see where your $450,000 budget gives you access to the most properties, where prices are most stable, and where selling times give you more time to think.

You can compare cities with each other (Montreal vs. Quebec City) or neighborhoods within the same city (Rosemont vs. Villeray). Comparisons can be saved to revisit later.

The By type mode lets you filter market analysis specifically for the property type that interests you.

Available types: condo, single-family home, semi-detached, townhouse, plex (duplex, triplex, quadruplex), and land.

What you'll see for each type:

• Median price — The typical price for this property type in the selected city
• Number of available properties — The current supply on the market
• Selling time — Do condos sell faster than houses in this city?
• Type-specific trends — Condos can be declining while houses are rising, or vice versa
• Price range — From minimum to maximum, to see the breadth of the market

Why this is useful: the overall median price of a city doesn't mean much if you're looking for a condo and the average is pulled up by luxury homes. This mode gives you the realistic picture for YOUR property type in YOUR region.

For example, in Montreal the median condo price is very different from the median plex price. This filter lets you know if your budget is realistic for what you're looking for, without getting false hopes (or false fears).

The My impact mode is the most personalized of the 4 modes. It analyzes your financial situation relative to the market you're targeting and tells you concretely where you stand.

What you'll discover:

• Your purchasing power vs. the market — Your maximum budget compared to the market's median price. Are you above, below, or right at the average?
• Percentage of accessible properties — Out of 100 properties for sale in your region, how many can you afford with your budget?
• Your competitiveness as a buyer — Your down payment ratio, your pre-approval, your flexibility. Sellers prefer well-prepared buyers.
• Concrete suggestions — If your position is weak, the coach suggests actions: increase your down payment, widen your search area, adjust your criteria, or simply confirm that your position is solid.

For this to work, you need to have completed your financial profile (income, savings, debts) and defined your search criteria (property type, target region, budget). The more complete your profile, the more accurate the analysis.

This is an excellent exercise to do at the start of your search to be realistic, and to redo a few months later to measure your progress (more savings, better understanding of the market, etc.).

The Real Estate Market section includes a comprehensive glossary of Quebec real estate terms. Here are the key terms you'll encounter in your buying journey:

• Purchase offer — Formal acquisition offer submitted to the seller, governed by OACIQ. It's a legal document that binds both parties.
• Pre-approval — Preliminary financing confirmation from a lender. Free and valid for 90-120 days. Essential before you start visiting.
• FHSA — First Home Savings Account. Tax-deductible going in, tax-free coming out. Max $8,000/year, $40,000 lifetime.
• HBP — Home Buyers' Plan. Allows you to withdraw up to $60,000 from your RRSPs for your down payment, repayable over 15 years.
• CMHC — Canada Mortgage and Housing Corporation. Mandatory insurance if your down payment is less than 20 %.
• Welcome tax — Land transfer duties paid to the municipality at purchase. One-time amount, payable in cash.
• Municipal assessment — The property's estimated value by the city for tax calculation purposes. Often different from the market price.
• GDS ratio — Gross Debt Service. Your housing costs / gross income. Maximum 39 %.
• TDS ratio — Total Debt Service. All your debts / gross income. Maximum 44 %.
• OACIQ — Quebec's real estate brokerage self-regulatory organization. Protects consumers.
• Deed of sale — Notarized document that officially transfers property ownership.
• Conditions precedent — Conditions in the purchase offer (inspection, financing) that must be met for the sale to go through.

The full glossary is accessible directly on the Real Estate Market page, with a search field to quickly find a term.

AI-powered inspection report analysis lets you quickly understand a property's condition and identify potential issues before making an offer.

Two ways to submit a report:

1. PDF — Upload the inspection report PDF file (maximum 10 MB). The AI will read and analyze the complete document.
2. Text — Copy-paste the report content directly into the text field. Handy if you received the report by email or in a non-PDF format.

The AI will analyze the document in detail and identify the important elements. The analysis typically takes a few seconds.

Automatic linking: if the address in the inspection report matches a property in your list, the analysis will be automatically linked to that property. You'll see an "Inspected" badge on the property card, and the coach will have access to the inspection results when it analyzes that property.

This feature is available with the Exploration and Pro plans (4 analyses/month for Exploration, 7 analyses/month for Pro).

The inspection analysis gives you:

• An overall score of the property's condition
• Red flags — major issues requiring immediate attention (foundation, roof, structure, etc.)
• Yellow flags — items to monitor or plan for
• Cost estimates for repairs on each item
• A summary with the coach's recommendation

Red flags are items that could justify renegotiating the price or walking away from the transaction.

Your inspection analyses are automatically saved with the date, address, and full results. You don't need to do anything — everything is preserved as soon as the analysis is complete.

Full history: find all your past analyses in the Inspection section. They're listed by date and identified by the property address. You can click on any analysis to review it in detail.

Deletion: you can delete analyses individually if you no longer need them. Deletion is permanent.

Linking to properties: if the report address matches a property in your list, the analysis is automatically linked. The property card will display an "Inspected" badge and the inspection summary will be accessible directly from the card.

Integration with the report: inspection results are automatically included in your AI report. The coach takes red flags and estimated costs into account when evaluating your overall situation.

Impact on the coach: when you ask the coach to analyze a property or compare your selections, it automatically receives the linked inspection data. It can therefore tell you "watch out, the inspection report for this property mentions foundation issues estimated at $15,000" in its recommendations.

The comparison lets you put 2 or 3 properties side by side to make an informed decision. Check the properties to compare in your list, then click "Compare".

What the comparison shows:

• Full details — Address, price, type, bedrooms, bathrooms, living area, year, parking
• Cost breakdown — Mortgage, municipal and school taxes, condo fees, and home insurance are displayed separately for each property, not just a total
• Monthly difference — The cost difference per month between properties, with an explanation of the source (e.g., "$180/month more due to higher municipal taxes")
• Cash difference — The difference in acquisition costs (day 1)
• Best price per square foot — To compare relative value
• Winner by criterion — Which has more bedrooms, the largest area, the best score, etc.
• Compatibility score — With a "Best match" badge for the property that best fits your criteria

AI coach opinion (Exploration and Pro plans): ask the coach to analyze your comparison. It uses the actual property addresses (not "Property 1, 2, 3") and gives you a personalized analysis with recommendations, strengths and weaknesses of each option, and negotiation strategy.

Export: you can export the comparison to PDF or copy the text to share with your broker, family, or financial advisor.

A warm legal disclaimer is included at the end of the analysis to remind you to consult an OACIQ broker, a mortgage advisor, and a notary before making your final decision.

When comparing properties, the "Coach opinion" button gives you access to a deep, personalized AI analysis. It's like having a real estate advisor by your side.

What the coach receives for its analysis:

• All the details of each property (price, area, year, taxes, condo fees, heating, etc.)
• Your personal notes on each property (visit impressions, observed defects, etc.)
• The proximity analysis (nearby services, scores by category)
• The linked inspection report (if available)
• Your complete financial profile (income, savings, borrowing capacity)
• Your search criteria and priorities

What the coach gives you:

• A detailed financial comparison — monthly costs, acquisition costs, differences explained
• Red flags for each property — what to watch out for
• A personalized recommendation — which property best fits your situation
• A negotiation strategy — estimated negotiation margin for each property
• Strengths and weaknesses of each option, adapted to your buyer profile

The coach uses the actual addresses of the properties in its analysis (for example "the condo on Saint-Denis" rather than "Property 1"), making the analysis clearer and more natural.

A warm legal disclaimer is included at the end to remind you to consult an OACIQ broker, a mortgage advisor, and a notary. This feature is available with the Exploration and Pro plans.

The offer simulator helps you prepare a structured and strategic offer on a property you've found.

How it works:

1. Enter the asking price and the price you want to offer
2. Specify important conditions: inspection, financing, desired possession date, requested inclusions
3. Get an AI recommendation on the strength of your offer — the coach analyzes the price relative to the market, listing time, and recent comparables
4. Receive a personalized negotiation strategy: arguments to use, anticipated counter-offer, possible concessions

The simulator integrates with your saved properties — you can launch a simulation directly from a property's detail page.

Important: the simulator helps you prepare, but the official purchase offer in Quebec must be drafted by an OACIQ-certified real estate broker or a notary. Use these results as a starting point for discussion with your broker.

Each imported property automatically receives a negotiation score from 0 to 100 that evaluates your negotiation leverage.

How the score is calculated:

• Price vs municipal assessment gap — if asking price is well above assessment, you have strong leverage
• Property type — plexes often offer more margin than condos
• Year of construction — older properties with potential repairs give negotiation arguments
• Points of attention — the more there are, the more leverage you have

The score is displayed in the detail card with a colored bar (green = good leverage, red = limited margin) and detailed factors.

"Good deal" alert — a green badge appears automatically in the list when the asking price is below 95 % of the municipal assessment. This signals a potential opportunity.

Your report score is calculated out of 100 points, divided into 5 weighted sections that measure your overall readiness to buy.

1. Financial situation (25 %) — Evaluates the strength of your financial foundation: gross income, employment stability, current debt ratio, and monthly room to maneuver.

2. Down payment (20 %) — Compares the amount you've accumulated (FHSA + HBP + savings, or equity if you already own) against the amount required for the property type you're targeting. The closer you are to 20 %, the higher the score.

3. Search (20 %) — Measures how far along your search is: have you defined your criteria? Imported properties? Analyzed neighborhoods? The more you've explored, the more ready you are.

4. Preparation (20 %) — Concrete steps completed: mortgage pre-approval, inspections requested, neighborhood analyses, understanding of the buying process.

5. Market (15 %) — The fit between your budget and the market you're targeting. If you're looking for a house in Westmount with a $300,000 budget, this score will be low. If you're targeting a condo in Drummondville with the same budget, it will be high.

Each section is evaluated individually with a score from 0 to 100, then the overall score is the weighted average of these 5 sections. You can see the breakdown of each section to know exactly where you need to improve.

Click "Generate my report" to get a complete, personalized AI analysis of your situation. This is the most comprehensive portrait of your readiness to buy.

All your data is aggregated automatically:

• Complete financial profile (income, savings, debts, borrowing capacity)
• Your current property equity (if you already own, via My Home)
• All your followed properties with their compatibility scores, your personal notes, and proximity analyses
• Your neighborhood analyses and their scores
• Inspection results linked to your properties (red flags, estimated costs)
• Your financial calculator results

What the AI report contains:

• Key figures — Your maximum budget, available down payment, debt ratio
• Strengths — What's solid in your preparation (e.g., "Excellent down payment at 22 %, you avoid the CMHC premium")
• Risks — What to watch out for (e.g., "Your debt ratio is at 42 %, close to the 44 % limit")
• Action plan — Concrete next steps to accomplish
• Per-property analysis — Recommendation for each followed property
• Per-neighborhood analysis — Which neighborhood best matches your criteria
• Negotiation strategy — Tips to maximize your position
• 6-month projection — Where you'll be in 6 months if you follow the plan

This feature is available with the Exploration (4 reports/month) and Pro (7 reports/month) plans.

You can export your complete report to PDF to share with the professionals supporting your project.

What the PDF contains:

• Your overall score out of 100 with the breakdown of the 5 sections
• Your summarized financial profile (income, down payment, borrowing capacity)
• The AI's personalized recommendations
• A summary of your followed properties with their scores
• Identified strengths and risks
• The suggested action plan

Who to share it with:

• Your mortgage broker — So they understand your overall financial situation and goals
• Your real estate broker — So they understand your criteria and priorities
• Your notary — In preparation for the transaction
• Your family — To share the progress of your project

Click "Export to PDF" at the top of the My Report page. The PDF is generated instantly and downloaded to your device. This feature is available with the Exploration and Pro plans.

Each generated report is automatically saved with its date and remains accessible in your history. You can view any past report to see exactly what the coach recommended at that time.

Why this is useful:

• Measure your progress — Compare your score from 3 months ago with today's. You'll concretely see the impact of your efforts (more savings, better market understanding, etc.)
• Track the evolution of your criteria — Your priorities change over time. The history lets you see how your search has evolved.
• Document your journey — Useful if you want to show your broker where you were a few months ago vs. now.

Management: you can reload a previous report to view it in detail, or delete reports you no longer wish to keep. Deletion is permanent.

We recommend generating a new report approximately once a month, or whenever your situation changes significantly (new property being followed, salary increase, new savings, etc.).

The purchase calendar guides you through the 7 major steps of the Quebec home buying process, from preparation to taking possession.

The 7 steps:

1. Financial preparation (savings, FHSA, pre-approval)
2. Property search (criteria, visits, neighborhoods)
3. Purchase offer (offer, negotiation, acceptance)
4. Inspection (report, post-inspection negotiation)
5. Final financing (definitive mortgage approval)
6. Notary (title examination, deed of sale, adjustments)
7. Taking possession (keys, moving, address changes)

What each step includes:

• A checklist of tasks to complete with checkboxes
• The list of documents to prepare or obtain
• Estimated costs associated with that step
• Contextual AI tips to avoid common pitfalls
• A link to your target purchase date to adjust the pace

The calendar adapts to your buyer profile and target purchase date. You can see at a glance where you stand, what's left to do, and whether you're on track.

After visiting a property, you can add your own photos to keep a visual memory of the place. This is especially useful when you visit several properties in a day — memories blend together fast!

How to add photos: open a property's detail card and click "Add photos". Select images from your device (phone, tablet, or computer).

Accepted formats: JPEG, PNG, and HEIC (the native iPhone format).

Automatic compression: to save storage space, photos are automatically resized to a maximum of 800 pixels wide and compressed to 60 % JPEG quality. This is enough to remember details without overloading storage.

Limit: maximum 10 photos per property. Prioritize the important elements — kitchen, bathrooms, basement, exterior, observed defects, etc.

Privacy: your photos are strictly private and accessible only from your account. They are stored separately from other data to avoid any performance issues.

Management: you can view your photos in a grid on the property card, click a photo to enlarge it, and delete photos individually if you wish.

Each property can have one of the following statuses to help you organize your search effectively:

• Following — You're monitoring this property. This is the default status when you import a listing.
• Favorite — Your top picks! Favorite properties get a star badge making them easy to spot in your list.
• Offer made — You've submitted a purchase offer on this property. An important status for tracking your progress.
• Abandoned — You're no longer considering this property (too expensive, major defects, sold to someone else, etc.).

How to change the status: click the menu (three dots) on the property card and select the new status.

Filtering: you can filter your property list by status to show only the ones that interest you. For example, show only your favorites to focus on your best candidates.

Visibility: the status is visible in the property list and in the comparison view, allowing you to maintain a clear overview of your search at all times.

The Value tab gives you a complete picture of your property's value:

• Purchase price — Your original purchase price, stored as a reference
• Current value — Enter your current known value (municipal assessment, broker appraisal, or personal estimate)
• Appreciation — Automatic calculation of your gain percentage since purchase, with 1-year and 5-year projections
• Completed renovations — Add each renovation with its cost and estimated ROI. The tool calculates your total investment and real capital gain (appreciation + value added by renovations)
• Comparable sales — Add recent sales in your neighborhood (address, price, date) to track the local market
• Trend analysis — Ask the AI coach to analyze market trends in your neighborhood. Analyses are saved with history so you can track changes over time

Average appreciation in Quebec is 3-5 % per year, but it varies significantly by neighborhood and property type.

The Mortgage tab gives you a complete picture of your mortgage debt:

• Down payment — The amount you put down at purchase
• Original loan — The amount originally borrowed
• Rate and term — Your current interest rate and term length
• Amortization — The total repayment period
• Actual balance — Enter the balance from your latest statement for accurate tracking
• Refinancing — Simulate the impact of refinancing at a new rate
• Home equity line of credit (HELOC) — If you have a HELOC, enter the balance for a complete equity calculation
• Principal vs. interest — Visualize how each payment is split between principal repaid and interest paid
• Net equity — Automatic calculation: property value minus mortgage balance and HELOC = your real equity

Biweekly payments instead of monthly can save you thousands in interest and shorten your mortgage by several years.

The Reminders tab monitors your mortgage renewal date with a visual countdown:

• Countdown — Number of days until your renewal, color-coded
• Alerts — Green (you have time), yellow (start comparing rates), orange (urgent, contact your broker), red (very urgent!)
• Renewal offers — Compare offers from different lenders (rate, term, conditions). Add offers you've received to see which one is best
• Renewal coach — The AI coach can analyze your offers and advise on the best strategy

Not shopping your renewal can cost you thousands of dollars. Start 4-6 months before the due date. Mortgage brokers often have access to better rates than your bank.

The Maintenance tab helps you keep your home in good condition and prevent unpleasant surprises.

• Seasonal tasks — Checklist by season (spring, summer, fall, winter) with recommended tasks for your home
• DIY vs. Pro — Each task indicates whether it's doable yourself or if you should hire a professional
• Estimated costs — Budget estimate for each maintenance task

Equipment lifespan — Track the age and expected lifespan of 8 types of equipment:

1. Roof (15-30 years depending on material)
2. Furnace (15-20 years)
3. Water heater (8-12 years)
4. Air conditioner / heat pump (12-15 years)
5. Windows (20-30 years)
6. Exterior siding (20-40 years)
7. Plumbing (40-70 years depending on material)
8. Electrical system (30-40 years)

For each piece of equipment, enter the installation year. The tool automatically calculates the age and warns you when a replacement is coming up with color coding (green = OK, yellow = watch, red = plan for replacement).

• Maintenance log — Record completed work with date and cost to keep a full history. Useful for resale!
• AI maintenance coach — Ask the coach questions about your property: "My furnace is 12 years old, should I replace it?", "How much does it cost to redo a French drain?"

Rule of thumb: budget about 1 % of your property value per year for maintenance.

The Renovation Projects tab helps you plan and document your renovations:

• ROI by type — View the estimated return on investment by renovation type (kitchen ~75 %, bathroom ~65 %, energy-efficient windows ~70 %, basement finishing ~60 %, roof ~55 %)
• Completed renovations — Document each renovation with cost, date, and impact on value
• Planned renovations — Plan your next projects with a budget and timeline
• Cumulative impact — Visualize the total impact of your renovations on your property value

Well-chosen renovations increase your property value and improve your quality of life. The history is also useful for calculating your net profit in case of resale.

The Resale tab estimates your net profit if you sold today. It's a useful exercise even if you have no intention of selling — it gives you an idea of your overall financial position.

The elements of the calculation:

• Current value — Based on your estimated value in the Value tab
• Mortgage balance — The amount you still owe
• Selling costs — Vary depending on the chosen selling method
• Notary fees — Notary fees for the transaction
• Renovations invested — The total value of your documented renovations
• Estimated net profit — What you'd walk away with

4 simulated selling methods:

• Real estate broker — Commission of approximately 5 % of the sale price (negotiable). The broker handles everything: photos, marketing, showings, negotiation.
• Proprio Direct — Fixed fee depending on the package chosen. You do the showings yourself but benefit from a distribution platform.
• DuProprio — Fixed fee with different options. You manage showings and negotiations.
• Private sale — No commission, but you do everything yourself (listings, showings, negotiation, paperwork).

Each method shows the estimated net profit differently, so you can compare.

Good news: the principal residence is exempt from capital gains tax in Canada. You don't pay tax on your capital gain if it's your primary residence.

The Budget tab lets you track all your monthly property-related expenses:

• Mortgage
• Municipal and school taxes
• Home insurance
• Heating / electricity
• Regular maintenance
• Condo fees (if applicable)
• Internet / phone
• Unexpected repairs

The tool calculates your expense-to-income ratio and recommends a safety cushion of 3-6 months of expenses in reserve. This safety net is essential for dealing with unexpected costs (water heater failure, emergency repairs, etc.).

The Coach tab gives you access to the AI coach with your complete property context. It knows:

• Your property (value, year, type, neighborhood)
• Your mortgage (balance, rate, term, renewal)
• Your completed and planned renovations
• Your monthly budget
• Your equipment condition

Example questions:

• "My mortgage renews in 6 months, what strategy should I adopt?"
• "Is it worth adding a heat pump?"
• "How can I reduce my heating costs?"
• "What can I deduct from my taxes as a homeowner?"
• "Is it a good time to sell in my neighborhood?"

This feature is available with the Exploration and Pro plans.

Access the AI Coach from the main menu. You'll see a conversation interface where you can type your question in French or English.

The coach is omniscient — it knows your entire file when you talk to it. Here is everything it receives as context:

• Your complete financial profile (income, debts, FHSA savings, RRSP/HBP, other savings)
• Your search criteria and priorities
• Your buyer type (first-time buyer, family, investor, etc.)
• All your saved properties with their details, your personal notes, and proximity analysis
• Your analyzed inspection reports
• Your neighborhood analyses
• Your My Home data (if you're a homeowner)
• Your calculator results

This means it can answer with complete knowledge of your situation, without you having to re-explain everything.

Quebec expertise: the coach masters FHSA, HBP, CMHC premiums, the welcome tax, the purchase offer process, OACIQ regulations, the notarial process, dual tax filing (federal + Revenu Quebec), and the particularities of the market by region.

Examples of good questions:

• "With my profile, should I max out my FHSA before buying?"
• "Compare the monthly costs of my 3 followed properties"
• "What are the steps to make a purchase offer?"
• "The inspection report for my property on Saint-Denis mentions cracks — is that serious?"

Limits: the coach politely declines questions unrelated to real estate. It does not speculate on future prices and does not invent infrastructure or statistics — it prefers to say "I'm not certain" rather than hallucinate information.

No. The AI coach is an educational and informational tool. It is not a real estate broker, a licensed financial advisor, or a lawyer.

It can explain concepts, calculate scenarios, and prepare you for each step of the buying process, but it will always recommend consulting a professional for final decisions.

The coach does not speculate on future market prices and does not give legal advice.

The number of messages you can send to the coach depends on your plan:

• Free — 3 messages per day
• Exploration — 15 messages per day
• Pro — 50 messages per day + streaming (responses display progressively in real time)

All plans use the same premium AI model: Claude Sonnet by Anthropic. The quality of responses is identical regardless of your plan — only the number of messages changes.

The counter resets every day at midnight (Eastern Time). The number of remaining messages is displayed near the input area so you can track your usage.

Important: messages sent to the coach from other sections also count toward your daily limit. For example, if you request a coach opinion on a property comparison, a coach in My Home, or an AI analysis in the calculators, those calls are deducted from your message quota.

If you reach your limit, you can either wait until the next day or upgrade to a higher plan from your profile to increase your quota immediately.

All your conversations with the coach are automatically saved in Supabase (our secure cloud database). You can find them in the sidebar of the AI Coach page, organized by date.

Automatic title: each conversation receives a title automatically generated from your first question. For example, if you ask "How does the FHSA work?", the conversation will be titled something like "How FHSA works".

New conversation: click the "New conversation" button at the top of the sidebar to start a discussion on a new topic. The coach keeps context within a single conversation — you can ask follow-up questions without re-explaining everything.

Management: you can delete conversations individually by clicking the delete icon. The history persists across sessions — if you close the application and come back later, everything is still there.

Your conversations are strictly private. No one else can access them, not even the AcheteurFuté team.

Go to the Profile section from the sidebar menu to manage your entire account.

Personal information: edit your first name, last name, email, and phone number. Your email is also used for login and password recovery.

Financial data: update your gross annual income, partner's income, monthly debts, and savings (FHSA, RRSP/HBP, other). These data directly feed the calculators and the AI coach.

First-time buyer: a toggle lets you indicate whether you're a first-time buyer or not. This choice has a major impact: it enables or disables the FHSA and HBP fields in the down payment calculator, and adapts the coach's advice.

Subscription: the subscription section shows your current plan, your next billing date, and buttons to change plans or access the Stripe portal.

All changes are taken into account immediately by the AI coach, calculators, and compatibility scoring. You don't need to "save" — changes are automatic.

To change your plan, go to Profile > Subscription. You'll see the 3 available plans (Free, Exploration at $15/month, Pro at $25/month) with the details of their features and limits.

Upgrade (moving to a higher plan):

• The new plan is activated immediately — you get access to new features right away
• You're charged pro-rata for the rest of the current month (if you upgrade mid-month, you pay half the price)
• Your usage limits are adjusted instantly

Downgrade (moving to a lower plan):

• Your current plan stays active until the end of the current billing period
• The new (lower) plan takes effect at the start of the next period
• If you have more saved properties than the new plan's limit, they remain accessible but you won't be able to add new ones

You can switch between plans as often as you like. The change is made in a few clicks directly from your profile, without needing to contact support.

Your subscription is managed through Stripe, a payment platform used by millions of businesses worldwide (Shopify, Amazon, Google, etc.). It's one of the most secure payment systems available.

From the Stripe portal (accessible via "Manage my subscription" in your profile), you can:

• See your next billing date and the amount that will be charged
• Update your credit card — If your card expires or you want to use a different one
• Download your invoices — Professional PDF format for your records
• View your payment history — All past transactions
• Cancel your subscription — Access stays active until the end of the paid period

Security: your payment information (card number, expiration date, CVV) is never stored on our servers. It is processed and stored exclusively by Stripe, which is PCI-DSS Level 1 certified (the highest level of security for payment data).

Billing is monthly in Canadian dollars (CAD). You can use Visa, Mastercard, or American Express.

You can delete your account from Profile > Delete my account. This is an important decision — take time to think it through.

This action is irreversible and results in the permanent deletion of:

• Your profile and all personal information
• All your conversations with the AI coach
• All your saved properties (cards, photos, notes, proximity analyses)
• Your neighborhood analyses and comparisons
• Your analyzed inspection reports
• Your generated reports
• Your My Home data (if you had filled it in)
• Your criteria and search preferences
• Your entire usage history

Subscription: if you have an active subscription (Exploration or Pro), it will be cancelled automatically. No refund is issued for the current period — you already have access to features until the date you've paid for.

Before deleting, consider exporting your reports to PDF if you want to keep a record of your analyses. Once the account is deleted, it is impossible to recover your data.

If you've forgotten your password, don't worry! Here's how to reset it:

Step by step:

1. Go to the login page and click "Forgot password?"
2. Enter the email address associated with your account
3. You'll receive an email with a secure reset link (check your spam folder if you don't see it in your inbox)
4. Click the link — it is valid for a limited time (generally 1 hour). If the link has expired, go back to step 1 and request a new one.
5. Choose a new password of at least 8 characters. We recommend a mix of letters, numbers, and special characters.
6. You'll be automatically redirected to the application, logged in with your new password.

Alternative: if you created your account with a magic link (passwordless login), you can continue using that method. Go to the login page, enter your email, and choose "Send a magic link". You'll receive an instant login link in your inbox.

If you encounter persistent issues, make sure you're using the correct email address — the one you signed up with.

Help is accessible directly within the application, without leaving your dashboard. Click the help button (?) in the sidebar to open the built-in help center.

Organized by category: articles are grouped into 10 categories that correspond to the application's sections:

• Getting Started — Creating an account, onboarding, navigation, plans
• AI Coach — Asking questions, limits, conversations
• Calculators — Down payment, capacity, CMHC, welcome tax, total cost
• Properties — Import, scoring, comparison, photos, statuses, map, proximity
• Neighborhoods — Analysis, criteria, comparison, sources
• Real Estate Market — Analysis, comparison, by type, my impact, glossary
• Inspection — Analyze, results, save
• My Report — Score, AI report, PDF, history
• My Home — Value, mortgage, reminders, maintenance, renovations, resale, budget, coach
• Account — Profile, plans, Stripe, deletion, password

Search: use the search field at the top of the help center to quickly find an article by keyword. For example, type "FHSA" to find all articles that mention it.

The help center is also accessible from the public page (acheteurfute.ca/documentation) without being logged in — useful if you want to explore features before creating your account.

Each article explains how to use the feature with concrete examples and practical tips.