Complete guide to buying in Gatineau and the Outaouais

For a home or a duplex you live in, under $1.5M: 5% on the first $500,000 and 10% on the rest (CMHC). An owner-occupied triplex or fourplex needs at least 10%. At $1.5M and above, or for a rental property you don't live in, expect 20% or more depending on the lender. We can go over your situation.

It depends on your priorities. Compare the price, but also municipal taxes, land transfer duties, Québec income tax and your commute. We run those numbers together for your situation.

The search length varies. Once accepted, the promise to purchase sets the inspection deadline, the financing deadline and the notary signing date. We set those together before the offer.

Plan for notary fees (ask for a quote), the land transfer duties (welcome tax) and a pre-purchase inspection. Add municipal and school tax adjustments, and the 9% Québec tax on the mortgage insurance premium if it applies. For a first home acquired since 2026, a Québec refundable tax credit can refund up to $5,875 of transfer duties, subject to conditions. We review everything together.