Get the most out of your equity and your next mortgage renewal.
Already a homeowner? Three big decisions keep coming up: renewing your mortgage at the best rate, refinancing to fund a project, or selling to buy bigger. Each one rests on your equity and current rates. AcheteurFuté helps you compare offers and quantify each scenario before signing.
You're not obligated to stay with your current lender. Compare offers side by side, see the real savings, and come prepared to the negotiation table.
Home equity line of credit (HELOC), refinancing to renovate or consolidate: the coach explains the costs, possible penalties and the impact on your payments.
The My Home section tracks your real mortgage balance, principal vs interest split, estimated value and available equity — your homeowner dashboard.
Simulate your net profit (4 selling modes, including no-broker) and immediately see what that down payment lets you buy next.
The renovation projects tool estimates the return (ROI) of the work — useful before refinancing or selling. The maintenance log keeps everything in order.
My Home (8 tabs)
Value, mortgage, refinancing, HELOC, reminders, upkeep, reno, resale.
Mortgage rates
Policy rate, verified ranges, comparison of your received offers.
Calculators
Payment, capacity, savings between two offers, new budget.
AI coach
Renewal strategy, fixed vs variable, bridge loan, taxation.
No. At maturity, you can shop freely and transfer your loan to another lender, often without penalty. Comparing several offers (bank, Desjardins, mortgage broker) can save thousands of dollars. AcheteurFuté lines them up side by side.
Renewal means continuing your loan at maturity, without changing the amount. Refinancing changes the loan before maturity (e.g. to pull out equity or consolidate debt), which can trigger a penalty. The coach compares both based on your goals.
Equity is your home's value minus the mortgage balance. AcheteurFuté's My Home section tracks both figures and calculates the equity, as well as the theoretical HELOC limit under lenders' usual rules.
Selling without a broker can save the commission (often around 4-5%), but requires more work (marketing, showings, negotiation, legal aspects). AcheteurFuté simulates your net profit across 4 selling modes for an objective comparison.
Fixed offers stability; variable follows the Bank of Canada's policy rate and can cost less but carries risk. The right choice depends on your risk tolerance and budget. The coach models both with your numbers.
Create your free account and let your AI real-estate coach guide you, step by step.
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