Buy the home — and set up everything that comes after it.

How buying works in Québec

In Québec, a purchase starts with a promise to purchase, usually conditional on financing and inspection. Once accepted, your lender's approval and appraisal follow, and a notary — not a lawyer — prepares the deed of sale and the hypothec, holds the funds in trust and registers everything. The welcome tax arrives as a separate bill from your municipality a few months after closing, which is why it belongs in your budget from the start.

Programs and credits worth using

Beyond the FHSA and the RRSP Home Buyers' Plan, first-time buyers can usually claim the federal Home Buyers' Amount — worth up to $1,500 — and, since 2026, Québec's refundable credit for access to homeownership, which can refund up to $5,875 of the welcome tax. Buyers of newly built homes may also be eligible for GST and QST rebates. Insured mortgages with 30-year amortizations are now available to first-time buyers and buyers of new builds. We help you sequence these so the down payment, closing costs and payment all fit.

Protecting your approval until closing

A pre-approval is only as good as the file behind it. Between your offer and the notary, avoid changing jobs, financing a car or furniture, opening new credit or moving money between accounts without a paper trail. Keep the documents your lender asks for current, and tell us immediately if anything changes. Most last-minute problems at closing come from small changes made in the weeks before it — and nearly all of them can be avoided.