Key takeaway: Prioritize a realistic budget with a 10%–15% cushion before considering any financing. Government grants for energy-efficient renovations (e.g., Rénoclimat in Québec) can cover up to 30% of costs. These programs help stabilize expenses and protect your property’s long-term value. Consult an expert for a tailored strategy. Find a mortgage broker on our team. […]
The welcome tax in Quebec is a municipal transfer duty charged when ownership of a property is transferred from one person or entity to another. Its official name is duties on transfers of immovables, but most buyers, brokers, and municipalities refer to it as the welcome tax. In most cases, the welcome tax is […]
L’acquisition d’un bien immobilier est une décision majeure. Ce choix représente généralement un investissement conséquent et, pour beaucoup d’acheteurs, il suppose un engagement financier de grande ampleur à travers une hypothèque. Réunir la somme pour la mise de fonds peut parfois être un frein à un projet immobilier. Heureusement, plusieurs solutions permettent aujourd’hui aux futurs […]
Banks are competing to offer a variety of bank loan packages. From cash cards to various consumer loans, bank users are spoilt for choice when it comes to accessing credit. It is relatively easy to sign up for one or more offers. However, when a person juggles with the management of his budget to repay […]
The answer is: no. However, you need to make sure that you have enough protection in case of death, serious illness or disability. There are different types of insurances that protect you against unplanned events. Depending on your situation, you may choose to buy only some of the protections that are available to you: A […]
Construction legal mortgage is a mechanism to protect, sub-contractors and all workers who participated in the construction or renovation of a house. This mechanism is very powerful since it comes before a conventional mortgage from a financial institution. In the event of default, they would have 30 days after completion of the work to record […]
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As of 11/07/26
1 year fixed
3 years fixed
5 years fixed
5 years variable
7 years fixed
As of 11/07/26
1 year fixed
3 years fixed
5 years fixed
5 years variable
7 years fixed
