Whether it's your first home, a plex to invest in or a chalet, here is how a purchase works in Québec, and how we guide you at every step.

1. Set your budget and get pre-approved

Meet a lender or mortgage broker before you start visiting. You will know your maximum price, your monthly payment and your down payment. See our Mortgage Information page for the 2026 rules and first-time buyer programs.

2. Define what you really need

Area, schools, transportation, number of rooms, parking, yard, condo or house. In Laval and on the North Shore (Blainville, Rosemère, Terrebonne, Sainte-Thérèse, Boisbriand, Mirabel), prices and taxes vary a lot from one neighbourhood to the next. We help you compare.

3. Visit and compare

We send you new listings as soon as they hit the market and visit with you. Beautiful photos don't show everything: we help you spot what to check (roof, windows, foundation, signs of water infiltration, electrical panel).

4. Make a promise to purchase

Your offer includes the price, the deposit, the occupancy date and your conditions, usually financing, inspection and review of documents (certificate of location, seller's declaration, tax bills and, for a condo, the co-ownership documents).

5. Read the seller's declaration

The seller tells you what they know about the property: renovations, water damage, insects, permits and more. Read it carefully and ask questions.

6. Home inspection

Be there during the inspection and ask the inspector:

• Which issues are urgent, and which ones simply need to be watched?
• What would the repairs cost, roughly?
• How old are the roof, windows, water heater and heating system?
• Do you see any signs of past water infiltration or mould?

7. Final financing

Once your offer is accepted, send all documents to your lender quickly to respect the deadlines in your promise to purchase.

8. Signing at the notary

You sign the deed of sale and the mortgage deed, and you get your keys. A few weeks later, you receive the welcome tax bill. If you are a first-time buyer, you may get part of it back with Québec's new tax credit.

Ready to start? Contact us for a free consultation: 514-220-3720 · equipejami@gmail.com. Service in English, French and Persian.