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Mortgage broker · L'Assomption

Your L'Assomption mortgage, shopped across 20+ lenders.

Purchase, renewal or refinancing in L'Assomption. I build the file, present it to several lenders, and you choose. No fees on most files.

Get my pre-approvalCall 514 607-1777

Indicative rates in Quebec, not an offer. Your rate is set against your own file. Verified 2026-09-18. See every rate

Where do you fit?

  • First home

    Buying a first property in L'Assomption, or anywhere in Lanaudière: what you can actually borrow, what the down payment has to be, and the transfer duty the city charges.

    Buying a first home

  • Renewal

    Your lender's renewal letter is an offer, not the offer. I compare it for owners in L'Assomption, Repentigny, L'Épiphanie and Charlemagne.

    Compare my renewal

  • Refinancing

    Pulling equity out of a L'Assomption property to consolidate debt or fund renovations, with the penalty and the closing costs on the table before you commit.

    Frame a refinancing

  • Plex and rental

    Two units or more in L'Assomption or elsewhere in Lanaudière: the down payment rises, leases are required, and only part of the rent counts toward your capacity.

    Rental property file

  • Self-employed

    Self-employed in Lanaudière: two years of notices of assessment, and lenders that read a T2125 properly instead of halving your income.

    Self-employed income

What the lender asks for, by property type.

  • Recent developmentIncome, assets, debts. The simple case.
  • Plex in the old villageLeases, rental income statement, higher down payment from two units up.
  • Well and septicWater potability test, septic compliance. The leading cause of delay in the MRC.

How it works in L'Assomption.

  1. 01The callFifteen to thirty minutes, by phone or video. You describe the L'Assomption project and the date that matters. No document needed yet.
  2. 02The fileI gather your records and calculate your ratios before your name goes anywhere. A refused application leaves a mark on your credit file.
  3. 03The shoppingYour file goes to the lenders whose criteria fit, in parallel. You see every offer compared on the same basis.
  4. 04The decisionYours. Rate, penalty, prepayment privileges and portability side by side — not just the number in the ad.
  5. 05ClosingAt your notary in L'Assomption. I follow the lender conditions through to funding.

Before you call.

  • My bank already gave me a rate.Good — bring it. A posted rate is a starting point, and your bank shows you its own products only. If it stays the best offer after comparison, staying is the right call and you will know it from the numbers.
  • You have no office in L'Assomption.No, and it changes nothing about lender access. Call, video, documents online, signature at your notary. The lenders read a file, not a postal code.
  • Will this hurt my credit score?I calculate your ratios before submitting anything, precisely so a refusal does not land on your file. One application, to the lenders whose criteria actually fit.
  • I am just starting to look.That is the right time. A pre-approval costs nothing, commits you to nothing, and tells you your real ceiling before you fall in love with a property above it.

What I cost you.

Nothing, in most cases.

On an ordinary residential mortgage in L'Assomption — purchase, renewal, refinancing, one to four units — the lender that funds the mortgage pays me. You get no invoice for the meetings, the file, the comparisons or the follow-ups. The amount can vary from one lender or product to another; I disclose what applies to your file before you accept an offer. How I am paid, in detail

Run your own numbers first.

Transfer duty

Transfer duty in L’Assomption: the 3% bracket

  • $350,000 purchase≈ $3,360
  • $500,000 purchase≈ $5,610

L’Assomption has adopted the higher rate the law allows. Above $500,000 the duty is 3%, double the provincial base scale. It is the number that surprises buyers in this area the most.

The city’s full 2026 scale:

  • 0.5% on the first $62,900
  • 1% from $62,900 to $315,000
  • 1.5% from $315,000 to $500,000
  • 3% on everything above $500,000

In practice, on the taxable base:

  • $350,000 → about $3,360
  • $500,000 → about $5,610
  • $600,000 → about $8,610 (on the base scale it would be $7,110)
  • $750,000 → about $13,110 (on the base scale, $9,360)

The calculation base is the highest of three amounts: the price paid, the consideration stated in the deed, and the municipal assessment multiplied by the comparative factor, which is 1.08 in 2026. A home assessed at $560,000 on the roll is therefore treated as a $604,800 base even if you pay less than that.

The bill arrives by mail weeks or months after signing. It does not go through the notary and cannot be rolled into the mortgage: keep the amount in reserve. Where an exemption applies — an eligible family transfer, for instance — the city still charges a $200 statutory fee, and the exemption condition must hold for 24 months.

Run your own numbers with the purchase costs tool, and confirm the scale with the city before setting your reserve.

Questions

Questions that come up in L’Assomption

How much is the welcome tax in L’Assomption?

L’Assomption applies 0.5% up to $62,900, 1% up to $315,000, 1.5% up to $500,000 and 3% above that. A $600,000 property comes to roughly $8,610, against $7,110 in a city that stayed on the base scale. The calculation base takes the higher of the price paid and the municipal assessment multiplied by the 1.08 comparative factor.

Is a plex harder to finance in L’Assomption?

Not harder, different. The minimum down payment rises from two units up, and to 20% if you do not live there. The lender asks for the leases, counts only part of the rent toward your capacity, and it often takes comparing more lenders to find the one whose rental policy is most favourable.

My house is on a well and septic system. Does that block financing?

No, but it adds two documents: a water potability test and a compliance certificate for the septic installation. Have them prepared early — this is the most frequent cause of delay on rural properties in the MRC.

Do you work with clients in L’Assomption without a local office?

Yes. I am a Quebec-licensed broker working across the province remotely: call, video, documents online, signature at your notary. Lender access is exactly the same as with an office down the street.

What are realistic timelines?

A few days for a pre-approval once the documents are gathered. For final approval it depends on the lender and the appraisal report, and a plex or rural property takes longer than a development bungalow. Nobody can promise a fixed date, and be wary of anyone who does.

Why do advertised rates vary so much?

A posted rate is advertising, not an offer. The real number is set against your file, and two lenders can quote two prices to the same person on the same day. That is exactly what shopping is for. Write to me through the contact page.

Ready to start in L'Assomption?

Get my pre-approvalCall 514 607-1777

I also prepare files elsewhere in the MRC and nearby: Repentigny, Mascouche, Terrebonne and Saint-Lin–Laurentides.

Sources used

These references support the local facts shown above. They do not change lender criteria or guarantee that a mortgage option is available in this territory.

  1. transfer-duty: 0,5 % / 1 % / 1,5 % / 3 % au-delà de 500 000 $ — facteur comparatif 1,08 (2026)Droits de mutation — Ville de L’AssomptionAccessed : 2026-09-03
  2. transfer-duty-base: Barème provincial 2026 et taux supérieur maximal de 3 % au-delà de 500 000 $Droits sur les mutations immobilières — Gouvernement du QuébecAccessed : 2026-09-03
  3. territory: MRC de L’Assomption : Charlemagne, L’Assomption, L’Épiphanie, Repentigny, Saint-SulpiceTerritoire — MRC de L’AssomptionAccessed : 2026-09-03
Territory
L'Assomption
Official code
Municipality · 60028