The territory of Québec, with the figures
Québec is the 1st municipality in the Capitale-Nationale region by population, with 595,190 residents across 485.3 km². Provincially it ranks 2nd.
The larger the population, the wider the range of files. A lender who shines on a plex isn’t necessarily best on a new condominium. That’s why I submit to several rather than betting on one.
Of the 69 municipalities in the Capitale-Nationale region, Québec ranks 1st by population. The region’s average density is 40 residents per km².
I work from Quebec, with no branch in Québec. The service is fully remote, which tends to shorten timelines rather than anything else. Check my services to see which one fits your situation.
Every figure in this section is drawn from MAMH open data, municipal directory. Nothing is estimated; the reading date sits at the foot of the page.
Transfer duty in Québec
In Québec, 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. Québec 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.
Building the file, then shopping it
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 has to come out of the drawer
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.
Frequently asked — Québec
Do you guarantee approval? No, and no one can. I can tell you what your file looks like and where it stands the best chance, but the decision belongs to the lender.
Do you work with clients in Québec without a local office? Yes. There’s no premises in Québec, and the whole process runs remotely. Lender access is the same. Write to me through the contact page.
Where do I start? With the paperwork: pay stubs, notices of assessment, three months of bank statements. With those in hand the first call becomes far more useful.
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.