Land transfer & closing costs
Quebec's 'welcome tax' (droit de mutation) is levied municipally on a sliding scale, and Montreal applies additional higher brackets on more expensive properties.
Quebec, Canada
A free, independent mortgage guide for Quebec
Whether you're buying your first home in Montreal, renewing in Quebec City, or just want to understand your mortgage across Quebec, Kaiu gives you the numbers — no lender, no broker, no sales pitch.
First-time buyers in Quebec
Quebec buyers use the federal first-time buyer programs, and some municipalities like Montreal offer home-purchase assistance and transfer-tax refunds for new families.
Quebec market snapshot
Quebec mortgages involve a notary at closing rather than a lawyer, and Montreal remains relatively affordable compared with Toronto and Vancouver.
This guide applies across Montreal, Quebec City, Laval, Gatineau, Longueuil and every community in Quebec.
Quebec mortgage questions
- What is the land transfer tax in Quebec?
- Quebec's 'welcome tax' (droit de mutation) is levied municipally on a sliding scale, and Montreal applies additional higher brackets on more expensive properties.
- Are there first-time home buyer programs in Quebec?
- Quebec buyers use the federal first-time buyer programs, and some municipalities like Montreal offer home-purchase assistance and transfer-tax refunds for new families.
- Can Kaiu help me understand my mortgage renewal in Quebec?
- Yes. Kaiu's free mortgage review walks through your renewal date, rate, and home equity, and gives you a plain-language health score and a list of things worth checking — entirely in your browser, with nothing saved or sent anywhere.
- Is Kaiu a mortgage lender or broker in Quebec?
- No. Kaiu is an independent, educational tool. It does not lend money, broker mortgages, or earn commissions from any lender.