Longueuil in official numbers
Quebec’s 5th municipality by population, Longueuil holds 268,546 residents. Its density of 2,190 per km² follows from a territory of 122.6 km².
A metro area this size means many property types and many active lenders. I can’t tell you in advance which one wins your file: it depends on your income, your down payment and the property itself. Comparing is the actual work.
Of the 150 municipalities in the Montérégie region, Longueuil ranks 1st by population. The region’s average density is 163 residents per km².
I’m a Quebec mortgage broker working remotely across the province. I keep no office in Longueuil: we talk by phone or video, and documents move online. To place your project, my services page is a good starting point.
Figures from the MAMH municipal directory (open data). No market data is used here. Retrieval date in the footer.
The same services apply to the neighbouring areas: Saint-Jean-sur-Richelieu, Brossard and Saint-Hyacinthe.
Transfer duty in Longueuil
In Longueuil, the transfer duty, the “welcome tax”, is calculated in brackets on the higher of the price paid and the standardized municipal assessment. With Quebec’s base schedule for 2026 (0.5% up to $62,900, 1% up to $315,000, 1.5% above), a $350,000 purchase comes to about $3,360 and a $500,000 purchase to about $5,610. Longueuil may have adopted higher brackets above $500,000: check its schedule before setting your reserve.
The bill arrives by mail weeks or months after closing. It does not go through the notary and cannot be financed in the mortgage: keep the amount in your reserve after the purchase. For your price, use the purchase costs tool.
The steps, in the order that matters
A file follows the same path everywhere in Quebec: a fifteen- to thirty-minute call, assembling the records, shopping the lenders whose criteria fit, your decision on offers compared on the same basis, then signing at your notary. I calculate your ratios before putting your name forward, because a refused application leaves a mark on the credit file. The five steps and the usual timing are detailed on the How it works page.
What I ask you for, and why
Three blocks of records, plus a fourth depending on the property: income (pay stubs, employment letter, notices of assessment, or returns and financial statements for a self-employed borrower), assets (three months of complete statements tracing the down payment), and debts (cards, lines, loans, with the monthly payment). For a condo, the syndicate’s documents are added and come from the syndicate, not from you. The full list and the reason for each item are in the guide Prepare a purchase file.
The questions that keep coming back
Is a pre-approval an approval? No. It’s an indication of capacity with a rate held for a limited window. The lender still has to approve the property itself.
What does it cost me? On a standard residential file, the lender compensates me. If fees were ever payable by you, it happens on some private financing files, I tell you in writing before we go any further.
Do I need 20% down? No. Below 20%, the loan must be insured and a premium is added to the amount borrowed. The minimum threshold depends on the purchase price and must be confirmed for your situation.
Do you work with clients in Longueuil without a local office? Yes. There’s no premises in Longueuil, and the whole process runs remotely. Lender access is the same. Write to me through the contact page.
Does the size of the city affect the rate offered? Not at all. What moves the price is your borrower profile and the property itself. Head count appears nowhere in the pricing grid.