An AI real-estate coach guiding you from your FHSA to the notary's office.
Buying your first property in Quebec is a multi-step journey: saving your down payment, optimizing your FHSA and HBP, getting a mortgage pre-approval, making a purchase offer, then the inspection and the notary. AcheteurFuté supports you at every step with real numbers and a coach available day and night.
The FHSA (up to $8,000/year, $40,000 lifetime, tax-deductible) combined with the HBP (up to $60,000 per person) can build a strong down payment. The coach calculates your optimal strategy.
Our calculators apply lenders' real ratios (TDS 44%, GDS 39%) to give you a realistic budget before you even visit a property.
Down payment under 20%? The CMHC premium is added to your loan. And the welcome tax (transfer duties) varies by city. We calculate everything for you, no surprises.
The offer simulator recommends a price based on 7 factors and a negotiation strategy. Inspection and financing conditions are explained clearly.
Ask your questions any time: "What is a pre-approval?", "How much can I borrow?". The coach knows Quebec regulations and the OACIQ.
Financial calculators
Down payment, borrowing capacity, CMHC premium, welcome tax, total cost.
Buying timeline
7 steps, from pre-approval to the notary, with checkable tasks and costs.
AI coach
Personalized answers based on your financial profile and goals.
Property analysis
Import a Centris or DuProprio listing and get the coach's opinion.
The minimum down payment is 5% on the first $500,000, then 10% on the portion above. Below 20% down, CMHC mortgage insurance becomes mandatory. AcheteurFuté calculates the exact amount based on your target price.
Yes. Since 2023, you can use both the FHSA (up to $40,000) and the HBP (up to $60,000) for the same purchase, which can represent a significant down payment per person. The coach models the most advantageous combination for your situation.
Your capacity depends on your gross income, your debts and current rates, through the TDS (44%) and GDS (39%) ratios. AcheteurFuté's borrowing capacity calculator gives you a realistic range in seconds.
Pre-approval is a lender's confirmation of the amount they're willing to lend you and the guaranteed rate (often 90 to 120 days). It's usually free and strengthens your offers. The coach explains how to get it.
No. AcheteurFuté is a coach that prepares you, educates you and runs the numbers. For final decisions, we always recommend consulting an OACIQ broker, a mortgage advisor and a notary.
Create your free account and let your AI real-estate coach guide you, step by step.
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