Market analysis, guides, and mortgage advice by Anthony King.
FHSA + HBP + 30-year amortization + $5,875 home ownership access credit + $50,000 Bill C-4 GST rebate. Concrete scenario of a Quebec couple recovering more than $75,000 on a $500,000 new construction purchase.
Royal Assent on March 12, 2026, Bill C-4's federal GST rebate reaches up to $50,000 for first-time buyers of new construction (≤ $1M, phase-out $1M-$1.5M). Stacking with Quebec's credit.
Quebec refunds up to $5,875 of the welcome tax for first-time buyers since January 1, 2026. Formula, concrete scenarios, claim steps, and stacking with federal programs.
Policy rate, variable-fixed spread, Bank of Canada April 16 decision, and a decision framework for choosing in 2026.
New independent qualification per property, owner-occupied vs investor down payments, and strategies for Quebec’s rental market.
Up to $200,000 in tax-free down payment for couples, plus 30-year amortization. Concrete scenarios and action plan.
Listings up 20%, sales down, zero new construction. Montreal condo market analysis and buying strategies.
FHSA, HBP, CMHC insurance, 30-year amortization, welcome tax, and step-by-step buying timeline — everything you need to know.
1.15 million mortgages renewing. Payment increase scenarios, 120-day advance shopping, switching lenders, and penalty calculations.
4 income qualification methods, required documents, common pitfalls, and how a multi-lender broker maximizes your borrowing power.
Rate comparison across 14 lenders, fixed vs variable trends, and outlook for Quebec buyers.
