What actually gets calculated

One amount, three levers

Your borrowing power isn't a fixed number. It moves with what you earn, what you owe and what you put down.

  1. Income and stability

    Salary, bonuses, self-employment, rental income: every source is documented differently and carries different weight from one lender to the next.

  2. Debts and commitments

    Credit cards, lines of credit, car loans, support payments: your monthly commitments take up room in the math before a property is even on the table.

  3. Down payment and property profile

    Where the down payment comes from, how many units the building has and whether you live in it change the rules — especially on a small plex.

The three blocks of the questionnaire

  • Income considered
  • Monthly commitments
  • Down payment available

An illustration, not figures: real proportions depend on your file and on the lender. That's precisely what we sort out together.

Questionnaire

Fill it in, I run the numbers

A few questions about your income, your debts and your down payment. The rest is my job.

  • What you’ll be asked Your employment situation, current commitments, planned down payment and the kind of property you have in mind.
  • What you get back A clear read on your borrowing capacity and financing options that actually fit your file.
  • Nothing to sign The questionnaire commits you to nothing. You decide what happens next, at your own pace.
  • An answer from Jonathan I read your file myself and get back to you. No automated reply.
Rather talk it through
(418) 360-7483 jdupuis@multi-prets.ca
3 minutes

Check my borrowing capacity

Answer the questions below. I’ll come back to you with a written read of your situation.

Jonathan Dupuis

Courtier hypothécaire

Gratuit · 2 minutes · sans vérification de crédit

Sachez exactement combien vous pouvez emprunter

Répondez à 6 questions et obtenez votre prix d'achat maximal, calculé avec le test de résistance canadien — pas une estimation maison.

  • Votre prix maximal et votre paiement mensuel estimé

    Calculés selon vos revenus, votre mise de fonds et vos dettes.

  • La méthode expliquée

    Taux de qualification, ratios ABD/ATD, mise de fonds minimale.

  • Spécialiste des premiers acheteurs et des plex

    Duplex, triplex, quadruplex : le financement n'est pas le même.

Jonathan Dupuis
Jonathan Dupuis
Courtier hypothécaire
(418) 360-7483

Premier acheteur lui-même, Jonathan accompagne les acheteurs de Québec et de la région dans l'achat d'une première propriété ou d'un petit plex à revenus.

Ce parcours ne constitue pas une préapprobation ni une offre de crédit. Les montants affichés sont indicatifs et doivent être confirmés par votre courtier avec vos documents.

Your answers are used only to prepare your analysis. Any amount discussed stays indicative until a lender reviews your complete file.
What follows

What happens next

Your questionnaire comes straight to me. No bot, no queue: I read your situation and I get back to you.

  1. 01

    A read of your situation

    I go through your income, your commitments and your down payment. Then I write or call, whichever you prefer.

  2. 02

    Financing routes compared

    I shop your file with several lenders and explain what actually changes from one option to the next.

  3. 03

    Pre-qualification and strategy

    We set a realistic budget before the showings. For a plex, we also look at how the rents factor in.

  4. 04

    Support through to the notary

    Documents, conditions, signing: I stay your point of contact right up to the keys.

See all services

First purchase, renewal, refinancing or a small plex: the starting point stays the same.