Finance
Mortgage Penalty in Quebec: The Math
A lender offers you a full percentage point below your current rate. Before you say yes, one number is still …
Real Estate Insights
Market trends, buying tips, investment advice, and local neighbourhood guides for Montréal, Laval, the Laurentians & Lanaudière.
Finance
What Deductions a Homeowner Can Claim in Quebec
The house you live in gives you no deduction at all, and that is not an oversight by the legislator. Everything …
Real Estate 101
Death of a Partner and the Home, Quebec
A will written by hand can freeze an estate for weeks. Insurance sold by the lender repays the bank and pays the …
Seller's Guide
The Listing Brokerage Contract in Quebec: Clause by Clause
The day you list your property, someone hands you an eleven page document, and most sellers sign it in fifteen …
Finance
Financing a Major Renovation in Quebec
A major renovation is not planned on the price of the cabinets. It is planned on two calendars: the one for the job …
Practical Guide
Home Maintenance Costs in Quebec: The Replacement Calendar
The rule is everywhere: set aside 1 to 3 % of your home’s value every year for maintenance. It gives you an …
Practical Guide
Wood Stove Rules in Montreal: What Actually Applies
A wood fireplace is not a simple amenity. It is an appliance that gets declared to the city, an emission rate you …
Practical Guide
Cutting Down a Tree in Quebec
A forty year old maple in the back yard sells a photograph. It does not push a price up by a percentage I could …
Buyer's Guide
Noise and Soundproofing in a Quebec Condo: What to Check
Noise is the one defect a buyer agrees not to check. You note the year of the roof, you ask for the contingency …
Buyer's Guide
Roof and Window Lifespan in Quebec
Two 1998 houses on the same Laval street. One has a roof redone in 2019 and windows replaced in 2015, the other …
Investment
Buying a House to Demolish in Quebec: The Permit
The math looks simple: a well located lot, a building at the end of its life, a new house in its place. Except that …
Real Estate 101
Buyer Brokerage Contract in Quebec: What You Are Signing
The document runs eight pages and often gets signed in a kitchen, between two showings. It has almost nothing in …
Buyer's Guide
Buying a Country Home in Quebec: What Changes
A principal residence in the country is not a cottage with the heat turned up. The rules that govern it come from …
Real Estate 101
Common Law Partners and the Home, Quebec
You have lived together for twelve years, the house is in his name, and you have paid half of every mortgage …
Practical Guide
Home Infestation in Quebec: Your Real Recourses
Black ants coming out of the basement door frame in May. The real question is not which product to buy: it is who …
Practical Guide
Winter Home Maintenance in Quebec: What Insurers Require
A list of good winter habits does not stand up to a claims adjuster. What does stand up is the small number of …
Practical Guide
Adapting a Home for Aging in Place in Quebec
Your mother wants to stay in her house. The three front steps have become an obstacle, and so has the bathtub. The …
Buyer's Guide
Choosing a Home Inspector in Quebec
Nothing stops someone from calling themselves a home inspector tomorrow morning in Quebec. The trade has started to …
Market Analysis
List Price and Sold Price in Montreal: Reading the Gap
A SOLD sign never says for how much. In Quebec, the sale price is not displayed: it is published later, somewhere …
Practical Guide
Shed, Carport and Garage Permits in Quebec
The shed you buy at the hardware store fits in a box, and nobody at the cash asks for your address. Your address is …
Buyer's Guide
Buying a Home Alone in Quebec: The Real Levers
A lender never asks whether you are buying alone. It asks for two ratios, applies a qualifying rate higher than the …
Buyer's Guide
Buying a Home in Quebec Without Visiting It
You are in Beirut, in Bogota or in Calgary, and the property you want is in Laval. Someone offers you a video tour. …
Buyer's Guide
Buying a Home in Winter in Quebec: The Blind Spots
In January 2026, in the Montreal metropolitan area, APCIQ counted 2,364 residential sales, the thinnest month of …
Buyer's Guide
Buying in a Flood Zone in Quebec: The Checks to Make First
Quebec has replaced the old split between 0 to 20 year and 20 to 100 year zones with a framework built on levels of …