Guides
The numbers, before they surprise you.
Most unpleasant surprises in a transaction are financial ones. These guides put the numbers in front of you early.
Your mortgage payment.
Your monthly payment comes down to four things: the price, your down payment, the rate and the amortization. Test your numbers above, then see what really moves the total.
The welcome tax.
The welcome tax is a one-time transfer duty your municipality bills a few weeks after you buy. On a $500,000 home outside Montreal, it lands around $5,650. Estimate yours below, then see how it is calculated.
Closing costs, all of them.
On top of your down payment, keep a cushion aside for closing costs: welcome tax, notary fees, inspection, adjustments, mortgage-related costs. None of them is a surprise if you plan ahead, which is exactly what we do together before you make an offer.