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My question is: Canadian-specific
QUESTION: Hello,
I am struggling to get a mortgage to buy a home in Canada. I am a =
Canadian citizen living overseas as a non-resident. There is a home in =
Quebec I am interested in buying. The realtor's mortgage broker has =
said he can't help me get a mortgage. I have spoken to other realtors =
and brokers, (all out West), and they have said I can get a mortgage but =
that I would be subject to paying 35% down. I can live with that if I =
have to but I am not sure why this Quebec broker says he can't help me. =
Are the laws different in Quebec? In reading a reply you sent to =
another person, you mentioned that one would need to find a realtor that =
is accustomed to dealing with non-resident buyers. Do you have any =
contacts for such realtors or brokers in Quebec? I am planning to fly to =
Quebec to look at the house in a few days but if it is impossible for me =
to obtain a mortgage then there may be no point going. If it is indeed =
possible, I will go and hope to sort things out later. Can you help me =
with this convoluted question? I will ask about tax issues later if =
indeed everything works out. Thanks for your time.
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david ingram replies:
When I was active in my Ottawa office, Quebec was no problem but like =
most westerners, Quebec peculiarities are best dealt with by people in =
Quebec or at least Ottawa.
However, I would start by calling one of the best mortgage brokers I =
know. Joan Marsh of HLC (Home Loans Canada - a wholly owned subsidiary =
of the CIBC) is likely the most knowledgeable broker I have ever met. =
Her business is National and she will have an associate in la Belle =
Province. Call her in white Rock, BC at (604) 535-9981 - tell her (if =
she groans) that I gave you her name and she will find you the answer =
and I am sure can give you the name of a quality Quebec broker who can =
look after you.
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Answers to this and other similar questions can be obtained free on Air =
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Res (604) 980-3578 Cell (604) 657-8451
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[email protected]
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Disclaimer: This question has been answered without detailed =
information or consultation and is to be regarded only as general =
comment. Nothing in this message is or should be construed as advice =
in any particular circumstances. No contract exists between the reader & =
the author and any and all non-contractual duties are expressly denied. =
All readers should obtain formal advice from a competent financial, or =
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