I’m ready to take
the next step.
Let’s clarify your criteria, budget and the steps to buying. From the first showings to the moment you get the keys.
Buy or rent?
It’s worth asking!
Eric Fortier
Real estate broker in the Outaouais - G3778
Remax Direct – Gatineau, QC
Two tools for an informed decision
No credit check
A local broker by your side
01 / A CLEARER PICTUREYour plans.
Your plans.
Backed by the numbers.
Before the showings and the homes you fall for, take a moment
to explore your options. No email required.
Let’s compare your two scenarios.
Adjust the amounts to reflect your situation.
5 years
1 year25 years
Adjust the assumptions
25-year amortization. A fixed rate is assumed throughout the simulation. Actual costs and renewal rates may vary.
Illustrative simulation. Results are not a pre-approval, financial recommendation or promise of returns.
YOUR SCENARIO AT A GLANCE
Over 5 years, in this scenario
Renting keeps the advantage.
$35,828
estimated difference in net worth
Buying Renting + investments
Net worth when buying$86,620
Net worth when renting$122,449
Initial homeowner budget / month$3,256
Cash needed to buy, including costs$28,539
Canadian semi-annual compounding method. References: down payment, CMHC premiums and qualifying ratios. 2026 TAL: 3.1% base, actual adjustments depend on the dwelling. Assumptions checked on October 23, 2026.
02 / YOUR NEXT STEP, YOUR WAYWherever you are in the process,
Wherever you are in the process,
there is a place to start.
I’m ready to take
I’m looking for the home
that feels right.
Tell me your preferred areas, budget and property types to request listings tailored to your search.
My purchase is
further down the road.
A down payment goal, costs to plan for and a realistic timeline. Let’s prepare your purchase without rushing.
03 / THE RIGHT SUPPORTThe right foundations.
The right foundations.
The right people.
Buying a home involves more than its price. Here are resources to help you move forward with confidence.
Your home buying checklistSteps to follow and documents to prepare
Confirm my buying power
A mortgage broker can review your financing and pre-approval options. Ask Eric for an introduction.
Check my credit report
Review your report for errors or unfamiliar accounts. Checking your own report does not affect your score.
Official guide from the Financial Consumer Agency of CanadaPlan for more than the down payment
Notary, inspection, transfer tax, adjustments and an emergency fund: review the expenses before committing.
Estimate the property transfer tax
Eric FortierRE/MAX DIRECT
YOUR BROKER. YOUR ALLY.Your real estate plans,
Your real estate plans,
prepared together.
You do not need all the answers to start a conversation. My role is to help you understand your options and move forward with a plan that fits your situation.
Whether you are looking for a first condo in Hull, a house in Aylmer or a little more space in Cantley, your plans deserve support tailored to you.
Eric FortierReal estate broker in the Outaouais · Licence G3778
LOCAL KNOWLEDGE FOR YOUR LOCAL PLANS
Your home in the Outaouais.
Explore the areas I serve.
04 / LET’S TALKThe next step
The next step
starts with
a conversation.
Tell me about your wishes, questions or concerns. We will find the right way forward.
- Support that fits your situation
- A conversation with no obligation
- Your pace, your priorities
Is buying really better than renting?+
It depends on factors such as the price, rent, down payment and how long you plan to stay. The calculator compares net worth after a hypothetical sale with the savings of a renter who invests the money available to them. Renting may well be the better option in your scenario.
Can I buy with a down payment of less than 20%?+
For an eligible property under $1.5 million, the minimum down payment starts at 5% on the first $500,000 and 10% on the remainder. Mortgage default insurance is generally required below 20%. Credit and lender requirements apply; a mortgage broker can review your situation.
Does the calculator check my credit?+
No. Calculations stay in your browser and no credit check is performed. The Equifax and TransUnion links let you view your file directly with the credit bureaus. Never send your credit report or social insurance number through this form.
What if I cannot buy right away?+
We can plan the next steps: clarify your budget, set a down payment goal, anticipate closing costs and seek advice from a mortgage professional. Choose “Prepare for a future purchase” to request a plan that fits your timeline.
Which areas of the Outaouais do you serve?+
Eric Fortier helps buyers in Gatineau, Hull, Aylmer, Cantley, Val-des-Monts, Buckingham, Chelsea and Masson-Angers. You can select several areas and property types in your inquiry.