Real estate
Buying or refinancing in Quebec involves several costs and steps. Our calculators cover down payment and mortgage loan insurance (CMHC), mortgage payments, welcome tax (transfer duties) by municipality, closing costs and debt ratios. Clear estimates to help you plan.
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Welcome tax
Calculate transfer duties (welcome tax) in Quebec: Montreal, Laval, Quebec City, etc. 2026.
Mortgage paymentCalculate mortgage payments (Canadian semi-annual compounding).
Borrowing capacityEstimate your borrowing capacity (GDS/TDS) with stress test in Quebec.
Down payment and CMHC insuranceCalculate down payment, CMHC insurance and QST on premium. Quebec 2026.
Debt ratio (GDS/TDS)Calculate your GDS and TDS ratios for home purchase in Quebec.
Closing costsEstimate closing costs (notary, inspection, etc.) for a purchase in Quebec.