Updated November 1, 2026: CanadaMortgageCalc.com launches as its own site · rules re-checked against CMHC, OSFI and provincial sourcesWhat’s new →
CanadaMortgageCalc
Quebec · 2026

Quebec mortgage calculator

Payments and CMHC insurance with Quebec’s 9% tax on the premium. Plan for the municipal transfer duty (welcome tax) and notary fees at closing.

Canadian semi-annual compounding 2026 CMHC & OSFI rules Rules checked November 1, 2026 Private: runs in your browser

Your mortgage

$
$
%
Sets the CMHC premium sales tax and land transfer tax.
Prepayments
$
$
Income & debts (for affordability)
$
Leave at 0 to skip. Never saved or put in links.
$
$
$
$
Car, cards, lines of credit
Closing costs
$
$
$
Title insurance, adjustments, moving

Calculating… If nothing appears, please enable JavaScript.

Buying a home in Quebec

  • Transfer duties (“welcome tax”) are set by each municipality on brackets indexed every year, and Montreal adds higher brackets for expensive homes. Ask your notary for the exact amount for your municipality.
  • 9% tax on the CMHC premium, paid at closing.
  • Closings are handled by a notary, usually $1,500 to $2,500.

Because the welcome tax varies by municipality, this calculator doesn’t include it yet; it’s on our roadmap.

Frequently asked questions

Is the welcome tax included?

Not yet. Quebec transfer duties vary by municipality and are indexed yearly; we will add them once we have verified the official tables.

Is CMHC insurance taxed in Quebec?

Yes, at 9%, payable at closing. It cannot be added to the mortgage.

Official sources Checked November 1, 2026

Other provinces

Ontario

Land transfer tax and 8% sales tax on the CMHC premium.

Toronto

Double land transfer tax with the April 2026 MLTT rates.

British Columbia

Property transfer tax and the first-time buyer exemption.

Alberta

No land transfer tax: just registration fees.