Buying your first home in Laval or Montreal is exciting, but it’s also easy to get lost in the paperwork, deadlines, and jargon. Here are five things I make sure every first-time buyer understands before we even start looking at properties.
1. Get pre-approved before you fall in love with a place
A mortgage pre-approval tells you exactly what you can afford and shows sellers you’re a serious buyer. In a competitive market like Laval’s, skipping this step can cost you the home you actually want.
2. Know the real cost of buying, not just the sticker price
Notary fees, the welcome tax (yes, that’s a real thing in Quebec), inspection costs, and moving expenses add up fast. I walk every client through a full cost breakdown so there are no surprises at closing.
3. Never skip the inspection
Even a home that looks perfect can hide expensive problems. A qualified inspector protects you from buying someone else’s headache, and gives you leverage to negotiate repairs or price.
4. Understand the OACIQ buyer’s guide
Quebec’s real estate board requires every buyer to receive the official OACIQ guide, which outlines your rights and protections throughout the transaction. I go through the key points with every client so it’s not just a document you sign without reading.
5. Your offer is more than just the price
Conditions, closing date, and what’s included with the sale can matter as much as the number on the offer. A well-structured offer protects you and can still win in a multiple-offer situation.
If you’re thinking about buying your first home in Laval or Montreal, I’d be happy to walk you through the process step by step. Reach out here and let’s get started.