A broker at
the height
of your ambitions

Cell. 450578.4008

Office 450538.4000

BUYERS

Advice for Buyers
You've Found Your Dream House?

Remember to notify current service providers prior to moving and to take action as required when settling into your new location.

Public Utilities  
Electricity  
Gas  
Water  
Garbage collection  
Telephone  
Cable television  
Heating fuel  
Local services and accounts  
Banks  
Finance companies  
Credit cards  
Diaper service  
Current accounts  
Retail stores  
Gas Stations  
Milk delivery  
Bread delivery  
Laundromat  
Dry cleaner  
Pharmacy  
Shoe repair  
Community services  
Schools  
Library  
Professionnals  
Doctor  
Dentist  
Notary  
Broker  
Insurance  
Life  
Accident  
Personal property  
General public liability  
Social  
Commercial and professionnal  
Federal Government  
Post office  
Veteran's affairs  
Income tax office  
Family allowance  
Old age security  
Employment insurance  
Provincial Government  
Health and hospitalization insurance  
Quebec pension plan  
Vehicle registration  
Driver's licence  
Pension plan  
Moving Day Checklist:
  • Read all meters
  • Lower or turn off heating
  • Turn off all lights
  • Shut and lock all doors, latch all windows
  • Turn over keys to new occupants
  • Have telephone disconnected
  • Take out all garbage
Possible Expenses When Buying a Property
  • Inspection of property by building expert
  • Mortgage arrangements with bank
  • Conventional loan (20 % cash)
  • Loan insured by CHMC (less than 20 %)
  • Deposit to accompany Offer to Purchase
Possible Expenses When Signing at the Notary
  • Deposit to accompany Offer to Purchase
  • Tax redistribution and refunds:
  • Refunds are calculated from the date of the signing of the deed of sale. You are responsible for reimbursing the seller for the number of days paid to date.
  • Municipal taxes
  • School taxes
  • Heating oil tank:
  • The seller is required to have the tank filled on the day of the signing of the deed of sale and submit the invoice to the notary for reimbursement in full by the buyer.
  • Electricity meter (Hydro Québec):
  • The buyer and the seller must notify Hydro Québec of the date the property is scheduled to change hands, have the meter read, and ensure that all amounts owing are properly allocated.
  • Homeowner insurance:
  • Upon signing of the deed of sale, you must present proof that you have contracted homeowner's insurance in an amount equal to or greater than the mortgage on the property.
Possible Expenses Once the Deed of Sale is Signed
  • Land Transfer or Welcome Tax
  • The municipality in which you settle will bill you within four (4) to six (6) months of the signing of the deed of sale in an amount based upon the selling price and scaled as follows:
  • 0.50 % of amounts up to $50,000
  • 1.00 % of amounts between $50,000 and $250,000
  • Province of Quebec, excluding Montreal:
  • 1.50 % of amounts exceeding $250,000
  • Montreal only:
  • 1.50 % of amounts between $250,000 and $500,000
  • 2% of amounts exceeding $500,000
  • Moving, painting, interior and exterior decoration, etc.
"Quality Service"
Certified
since February 2012
#

It is the precision and dedication of Jean, that create the basis of our successful purchase, a major complice in the realization of our project!