Mortgage broker in Laval — a strategy, not just a rate.

Laval's housing mix

Laval combines established neighbourhoods of bungalows and duplexes — Chomedey, Pont-Viau, Laval-des-Rapides, Duvernay — with newer subdivisions in Sainte-Dorothée, Fabreville and Auteuil and a growing number of condos around the Montmorency métro station and Centropolis. Each property type finances differently: a duplex with a tenant can use rental income to qualify, a new-build condo may qualify for a 30-year insured amortization for first-time buyers, and older homes may need a renovation budget built into the mortgage.

Welcome tax and closing costs in Laval

Outside the City of Montréal, Québec's standard brackets apply up to $500,000, and each municipality can set a higher rate — up to 3% — on the portion above that amount. Laval can set its own rate, and Montréal uses a different scale altogether, so the same purchase price can carry a different welcome-tax bill in each city. We confirm the rate in force when you buy and build it, together with notary fees and adjustments, into your cash-to-close.

Commuting, families and investors

With three Orange Line métro stations and direct access to Autoroutes 15, 13 and 440, Laval attracts families who work on the island and investors looking for plexes at a lower entry price than central Montréal. We help both: buyers who want a payment that still fits after the first renewal, and investors who want each purchase to support the next one.