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Preparing a purchase in Quebec: preauthorization, down payment, notary fees, welcome tax.
Purchase
You have your preauthorization in hand. Here is what still needs to happen, in order, before signing at the notary in Quebec — with no last-minute surprises.
6-minute read
Purchase
Financing denied after your accepted offer in Quebec: the 6 immediate actions to save the file — financing condition, alternative lenders, negotiation.
6-minute read
Purchase
The exact list of documents to prepare your mortgage preauthorization fast in Quebec: proof of income, CRA NoA, down payment, debts.
9-minute read
Purchase
What can drag down your credit score, inflate your ratios, or sink your file right before preauthorization. Steer clear of these 6 traps.
10-minute read
Purchase
Notary fees, welcome tax (transfer duties), home insurance, adjustments, inspection: the real cash amount to plan for on a Quebec home purchase.
11-minute read
Purchase
Buyer market or seller market? Realistic negotiation ranges across Quebec in 2026, conditions to keep in your offer, and when to offer at asking.
9-minute read
Purchase
Prequalification (5 min, no docs) vs preauthorization (24-72h, 90-day rate hold): what to pick depending on where you are in your buying journey.
8-minute read
Purchase
The mortgage brokerage mandate frames your relationship with the broker. Exclusive or non-exclusive: the real difference, and what it changes for you.
7-minute read
Purchase
Co-borrowing with a partner whose credit score is below 660 in Quebec: the 3 real strategies, their limits, and what a mortgage broker can do.
7-minute read
Purchase
GDS and TDS: the two ratios that determine how much you can borrow for a mortgage in Quebec. Detailed calculation with a worked example.
8-minute read
Purchase
Mortgage pre-authorization in Quebec takes anywhere from 24 hours to 2 weeks depending on the channel. Here are the real timelines and how to shorten them.
7-minute read
Purchase
Before visiting, validating your eligibility with an AMF broker sharpens the budget and makes your offer credible. Here is the mechanic, without a rate promise.
7-minute read
Purchase
The HBP and FHSA are two different tools — used together, they can add $100,000 to your down payment. Here is how to combine them properly.
7-minute read
Purchase
The federal stress test forces borrowers to qualify at a rate higher than the contract rate. Here's what it means for your borrowing capacity in 2026.
6-minute read