Buying a first home is exciting, but the list of steps can feel intimidating. The good news: tackled in the right order, it all becomes much simpler. Here's how we guide our first-time buyers on the South Shore.
Step 1: mortgage pre-approval
Before visiting, we establish your real budget with a pre-approval. It accounts for your income, your debts and the current rate, and makes you credible with sellers. We refer you to a trusted mortgage broker if needed — it's free and it avoids nasty surprises.
Step 2: down payment and costs
In Quebec the minimum down payment starts at 5 % for a home. Also plan for closing costs: notary, inspection, welcome tax and adjustments. We give you a clear estimate from the start so your project holds up, numbers in hand.
Step 3: choosing the right city
This is where the South Shore shines for a first purchase: quiet, family-friendly cities that are still affordable and well connected to Montreal. Sainte-Catherine, Delson, Saint-Constant or Mercier don't offer the same balance of price, schools and transit. We start from your needs to target where your budget buys best.
Step 4: the promise to purchase
When we find the right home, we prepare a strong promise to purchase: a price backed by real comparables and conditions that protect you — financing and inspection first. Our negotiation experience works here for you, not against you.
Step 5: inspection and signing
The pre-purchase inspection confirms the property's real condition. If all checks out, the file goes to the notary for signing and the handover of keys. We coordinate every step and stay available — a first purchase deserves full support, from the first coffee to possession day.