Is a 25 or 30 year mortgage better for a Montreal home in 2026. This comparison shows how each amortization affects your monthly payment, total interest, qualification under Canada’s stress test and long term equity in Greater Montreal.

Montreal’s 2025 real estate market did not crash, it matured. Prices in strong neighbourhoods held or inched higher while bidding wars cooled, turning the city into a strategy first environment where quality plexes, well located family homes and carefully chosen condos still attracted serious buyers.