Buyer’s Guide

    STEP 1 - SCHEDULE YOUR APPOINTMENT

    As soon as your purchase offer is accepted and all conditions have been met, it’s time to schedule your appointment with our administrative team. If you have mortgage financing, you will need to schedule 2 appointments, the first for signing your mortgage financing/loan and the second for the purchase/sale deed.

    Certain times of the year are extremely busy, so ideally, our team should have received all the documents listed in step 2 below at least 3 weeks before the date of your first appointment with the notary.

    It’s important to know that any delay in the submission of documents may result in rescheduling your appointment.

    STEP 2 - TRANSMISSION OF DOCUMENTS TO YOUR NOTARY

    Once you have made your appointments with our administrative team, you must advise your real estate broker to send us all the documents we need to process your file. At the same time, you must also advise your mortgage broker to send us your financing file, if applicable. 

    Documents to be provided include:

    • Signed promise to purchase with all annexes;
    • Certificate of location less than 10 years old;
    • Property tax accounts;
    • Title deeds in the seller’s possession (originals);
    • Names and complete contact information for each party, including e-mail address;
    • Marriage or divorce certificate for each party, if applicable;
    • Proof of home insurance showing the date of your appointment with the notary as the effective date;
    • Letter of compliance for septic tank, if applicable;
    • Proof of septic tank emptying, if applicable;
    • Compliant water test, if applicable;
    • Declaration of co-ownership (certified copy), if applicable;
    • Co-ownership manager’s contact information, if applicable;
    • General building insurance for condominiums, if applicable;
    • Leases, if applicable;

    STEP 3 - PREPARATION OF YOUR FILE AND DRAFTING OF DOCUMENTS.

    Our administrative team will contact you as needed at this stage for any additional information. Among other things, you’ll receive instructions on how to pay your down payment, if applicable. You’ll be able to choose from a variety of payment methods, including bank draft, bank transfer or wire transfer. Generally, payment of the down payment is made at the first meeting. 

     Please also note that no personal checks, certified checks or cash in excess of $1,000 will be accepted.

    In all cases, funds must be in the notary’s trust account no later than 3 days before the date of your purchase/sale.

    STEP 4 - YOUR MEETINGS WITH THE NOTARY.

    First appointment – Signing of your financing: for this meeting, only the buyer will be present. The notary will give you all the necessary explanations and have you sign the mortgage documents.

     Second meeting – Signing the deed of sale/purchase: all parties are invited to attend this meeting, as are the brokers. The meetings take place in succession to ensure maximum confidentiality.

     It is at this meeting that the notary will present you with his bill of fees. You can pay the bill by cheque, bank transfer or in cash. Please note that we do not offer payment by credit/debit card.

    STEP 5 - RECORDING OF DEEDS AND CERTIFIED COPIES

    Once the deed of purchase/sale has been signed, the notary will register it. Once the publication process has been completed at the Registre foncier du Québec, our administrative team will send you a certified copy of your deeds, signed in the presence of the notary.