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First purchase in Gatineau: where to start?

Becoming a homeowner for the first time is exciting and sometimes stressful. I help you through every step: budget, neighbourhood, offer and process.

What every first-time buyer needs to know

Down payment and budget

For a house, condo or duplex you live in (under $1.5M), the minimum down payment is 5% on the first $500,000 of the price and 10% on the portion above. We look together at your borrowing capacity and the programs available to first-time buyers.

The right property type

Condo in Hull or semi-detached on the Plateau: each option has its advantages for a first purchase in Gatineau.

The process in Québec

The notary and the mandatory OACIQ forms set the Québec process apart from the rest of Canada. I guide you through every step.

Avoiding beginner mistakes

A few pitfalls: buying too fast, forgetting closing costs, skimming the inspection report or choosing an area that doesn't fit your plans.

Not sure about your budget? We can discuss it during a free consultation.

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How it works

Initial consultation

We talk about your budget and priorities, and I answer your questions about buying in Gatineau.

Targeted search

I show you properties that match your profile and budget, in Aylmer, Hull, the Plateau or Buckingham.

Full support

From the offer to the signing at the notary, I support you until you get the keys to your first property.

Your first purchase deserves proper guidance

Your first property is often the biggest investment of your life. My role is to help you make an informed decision, at your pace and with the numbers in hand.

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Free Guide

Free Buyer Guide to get started right

Everything you need to know to buy your first property in Gatineau.

Free No commitment

Ready to take the first step?

Book a free consultation. We clarify your budget and the next steps.

“I work at your pace. You decide when you're ready.”

FAQ

Frequently asked questions

At the Q2 2026 single-family median for the Gatineau area ($523,500, APCIQ), the minimum down payment is $27,350 (5% on $500,000, 10% on the rest). Also plan for closing costs: notary, inspection, land transfer duties and tax adjustments. We work out your borrowing capacity together.

Several measures may apply depending on your situation. The HBP lets you withdraw up to $60,000 from your RRSPs, and the FHSA accepts $8,000 in contributions per year, up to $40,000 lifetime. There are also the federal home buyers' amount and Québec's refundable tax credit, which reimburses part of the land transfer duties. We confirm your eligibility together, with your financial institution.

When a broker represents you, the promise to purchase uses an OACIQ form. The sale is then finalized at a notary, and the land transfer duties (welcome tax) are added to your budget. Nothing complicated, as long as you are well guided.