Buying a Home — QC
Buying a Home in Quebec
Province-specific costs, taxes, and the step-by-step process for Quebec home buyers.
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Offer checklist, closing cost summary, land transfer tax guide, and step-by-step buyer guide — customized for Quebec.
Land Transfer Tax / Fees
Quebec's "Welcome Tax" (Droits de mutation immobilière), 2024 brackets: 0.5% on first $58,900, 1% on $58,900–$294,600, 1.5% on $294,600–$552,300, 2% above $552,300. Brackets are indexed annually; verify current thresholds.
First-Time Buyer Rebate
Some municipalities offer first-time buyer rebates. Montreal provides a rebate of up to $5,000 under certain conditions.
Closing Costs to Budget For
- Welcome Tax (droits de mutation)
- Notarial fees ($1,200–$2,000)
- Home inspection ($400–$600)
- QST on new builds (new homes not resale)
- Adjustments (school taxes, municipal taxes)
Professionals You'll Need
Lawyer / Notary
A notary is mandatory in Quebec for property transfers. Expect $1,200–$2,000 in notarial fees.
Title Insurance
Less common in Quebec due to the notarial system, but available and increasingly recommended.
Home Inspector
Highly recommended. "Garantie habitation" provides some protection on new builds.
Step-by-Step Process
- 1
Pre-approval from lender
- 2
Hire a real estate broker (optional but common in Quebec)
- 3
Make an offer using standard OACIQ forms
- 4
Conditions: financing and inspection
- 5
Remove conditions and firm up
- 6
Notary prepares the deed of sale
- 7
Sign at notary office and receive keys
Watch Out For
All Quebec property transfers must be handled by a notary — this is mandatory by law
The Welcome Tax is due within 30 days of receiving the notice from the municipality
Defects discovered post-sale may be covered under "legal warranty" — understand your rights
Condos (divises) require review of the co-ownership declaration and budget
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