Montréal property transfer duties, often called welcome tax, are a real closing cost that buyers need to plan before offer day. The City of Montréal says transfer duties are based on the tax base and 2026 value brackets that start at 0.5% and rise in tiers, with a 2026 example showing $9,349 on a $700,000 tax base.
Related pages: Book a mortgage call, Start your application, Contact our mortgage team, and Mortgage Rates.
Montréal property transfer duties, often called welcome tax, are a real closing cost that buyers need to plan before offer day.
Programs help most when they are considered early, not after the offer is signed or the closing budget is already stretched. We help you understand where they fit, what they can realistically improve, and what they do not replace.
A program can reduce pressure, but it still has to fit inside the rest of the mortgage strategy.
Understand how the program affects your up-front funds, monthly payment planning, or repayment obligations later.
Many benefits only help when the timing is right, so deadlines and qualifying dates matter.
Down payment, closing costs, pre-approval, and purchase conditions should all be aligned before you rely on a program.
Tell us what stage you are at and what type of home you are considering. We will show you how this program may fit into the mortgage plan and what to review next.
Related pages: Book a mortgage call, Start your application, Contact our mortgage team, and Mortgage Rates.
