Atlas Magazine - VOLUME 1 - JANUARY 2026

A tale of success

RE/MAX du Cartier began its journey in July 1995 at 835 Saint-Joseph Boulevard, located in the heart of Plateau Mont-Royal. With an ambitious vision, the founder, Serge Brousseau, quickly initiated a series of strategic acquisitions that fueled the company’s growth. The strength of the RE/MAX brand, the quality of its brokers, and a thriving real estate market quickly established RE/MAX du Cartier as a leader in the industry. As the agency expanded, many professionals from other firms chose to join its team.

Over time, the agency reinforced a key belief: To serve clients effectively, a solid organizational structure is essential. Each broker is supported by a dedicated team that provides administrative, legal, and operational assistance, ensuring a smooth and secure experience for every transaction.

Guided by a vision of excellence, RE/MAX du Cartier continued to grow. In 2025, the agency expanded its presence and network through the acquisition of Bonjour, enhancing its ability to provide exceptional support.

In this magazine, you’ll find insights and clear information about RE/MAX du Cartier, offering a unique look into a network where competence, rigor, and support define your experience.

— Serge Brousseau, President of RE/MAX du Cartier and RE/MAX du Cartier Bonjour

Serge Brousseau

The legacy of a builder

Serge Brousseau, our founding president, served as chairman of the board of directors for the OACIQ and founded the Collège d’enseignement immobilier. Today, he leads two agencies that collectively employ nearly 600 brokers across 16 offices. His career has been dedicated to advancing the real estate profession. This magazine offers a glimpse into his world.

François Pesant

Human-driven growth

Our growth is founded on a clear belief: An agency thrives when its brokers are empowered. Today, nearly 600 brokers operate within the Cartier ecosystem, each backed by topnotch administrative support, a solid organizational structure, and outstanding regulatory expertise. This strong framework allows us to uphold a guiding principle in all our decisions: people first. Behind every transaction is a story, a family, and a life plan. Our role is to equip our brokers with the tools, support, and confidence they need to fulfill this responsibility.

The acquisition of Bonjour in 2025 is a testament to our commitment to pushing the boundaries of industry standards. By joining forces, we have enhanced our capacity to support our professionals wherever they operate, while strengthening our brand signature: Strong brokers rooted in excellence, capable of providing an experience that prioritizes human relationships.

What drives us is the trust of our clients and the peace of mind they seek. This is central to our mission and will continue to guide every aspect of our growth.

— François Pesant, Vice President of RE/MAX du Cartier and RE/MAX du Cartier Bonjour

Did you know that…

In 2025, RE/MAX Bonjour was acquired by RE/MAX du Cartier, combining their strengths to create RE/MAX du Cartier Bonjour.

Today, our network is united by a shared vision of rigor, leadership, and long-term support.

Geneviève

Larouche

Clarity at the heart of every transaction

Trust in real estate is built, often quietly, through the solid structures, precise mechanisms, and consistent decisions made during every transaction. Managing an agency comes with considerable responsibility. It requires ensuring that every file is flawless, that standards are met daily, and that brokers operate within a clear, rigorous, and wellcontrolled framework. When everything runs smoothly, it is never by chance.

It is the result of disciplined, discreet, and decisive execution. This groundwork transforms complexity into clarity, enabling brokers to fully dedicate themselves to their roles of supporting clients with accuracy, confidence, and peace of mind.

— Corinne Desmeules, Vice President of Operations, RE/MAX du Cartier Bonjour

Carry the vision, support the execution

Leading a growing organization begins with a clear understanding of where it is headed. Above all, it requires ensuring that every decision, structure, and action aligns with a long-term vision. The role of senior management is to create this consistency by setting the direction, aligning teams, and fostering an environment where brokers can thrive with stability, confidence, and efficiency. A strong organization supports, structures, and guides its members rather than imposing strict rules.

When vision and execution work in harmony, growth becomes healthy and manageable. This balance allows the organization to expand without compromising its core values: Well-supervised brokers, thoughtful decision-making, and a customer experience rooted in clarity and trust.

— Geneviève Larouche, General Manager, RE/MAX du Cartier

TABLE OF CONTENTS

Between territories and life stories

Discover our neighborhoods

16 offices to better serve you

Explore our collection of prestigious homes and luxury properties

Between performance and relevance, the face of commerce is changing

Technology serving the real estate sector

2026 trends

The RE/MAX du Cartier and RE/MAX du Cartier Bonjour experience for sellers

The complete guide to preparing your property for a photo shoot

Guarantees and responsibilities of the parties

Pre-sale

Certificate of location

Enhance the value of your property before selling

Decoration tips for cozy interiors

Quiz: Are you ready to sell your property?

Integri-T: The key solution to hidden defects

Tranquilli-T: For a stress-free real estate transaction

The benefits of being insured with title insurance

The RE/MAX du Cartier and RE/MAX du Cartier Bonjour experience for buyers

The importance of a pre-purchase inspection

Living in a co-ownership in 2026

Make

The crucial role of a notary

40 km program

What should you do if you discover hidden defects?

Real estate transfer taxes

Enfant Soleil

Between territories and life stories

There are places that shape our dreams as much as our roots, neighborhoods that tell the story of a city, and houses that bear the traces of those who have lived in them.

This magazine emerged from the intersection of the tangible and the emotional, connecting territory with feelings. Here, we examine real estate from a unique perspective: As a lifestyle, a legacy to be shared, and a profoundly human experience.

From Montreal to the rugged beauty of the Laurentians, each page invites you to explore market trends, exceptional spaces, local artisans, and the values that connect us.

Beyond transactions, there are encounters, and beyond properties, there are stories.

At RE/MAX du Cartier and RE/MAX du Cartier Bonjour, we believe that real estate is fundamentally about balance—between performance and kindness, between vision and roots. We aim to bring this duality to life through our magazine, serving as a bridge between expertise and the art of living.

Our perspective on real estate reflects our view of the territory: A map of reality and dreams, crafted through the stories, inspirations, and faces that shape our communities.

Welcome to a world where expertise becomes inspiration, and where every page reveals a story to discover.

— The RE/MAX du Cartier and RE/MAX du Cartier Bonjour team

The art of living by RE/MAX du Cartier and RE/MAX du Cartier Bonjour Discover our neighborhoods

At RE/MAX du Cartier and RE/MAX du Cartier Bonjour, each neighborhood has its own story to tell.

From the vibrant energy of Montreal to the tranquil retreats in the Laurentians, our network is deeply connected to the communities we serve. Behind every address, there’s a unique atmosphere, a lifestyle, a feeling. It is this rich human and territorial diversity that defines our identity.

Our local teams from Montreal to Tremblant are familiar with every street, school, and ongoing development project. They don’t just sell houses; they support individuals through life changes and help them realize their dreams. Living here is much more than just having an address; it’s about belonging to a community, sharing a lifestyle, and embracing the beauty of Quebec.

URBAN NEIGHBORHOODS: A REFINED BUZZ

Outremont, Plateau-Mont-Royal, Town of Mount Royal, Villeray, Hochelaga-Maisonneuve

In these neighborhoods, life moves at a different pace. In the morning, the narrow streets come alive with the sounds of bicycles and cafés opening for the day. At noon, the terraces fill with lively conversations, and in the evening, the illuminated façades share the stories of those who have chosen to make their home in a vibrant, welcoming, and deeply human environment.

These areas, rooted in Montreal’s heritage, attract people seeking proximity to schools, parks, markets, and innovative ideas. Families choose to settle here for the balance it offers, young professionals are drawn to the creativity that thrives

in the area, and investors appreciate the stability of the real estate market.

In 2026, the urban trend is evident: Renovate with intention, optimize space, and revitalize existing buildings. Sustainability is no longer a luxury, but a way of life.

COMMUNITIES WITH A HUMAN TOUCH: GROWING TOGETHER

Laval

Laval is situated between the Rivière des Prairies and the Rivière des Mille Îles, acting as a natural bridge between Montreal and the northern suburbs. It provides an ideal balance of accessibility, family life, and economic vitality, making it a key area where our communities come together.

Plateau-Mont-Royal

Lachute, Mirabel, Saint-Jérôme

These cities represent the quiet strength of residential Quebec. They are appealing due to their accessibility, economic vitality, and strong sense of community. New developments coexist alongside historic parks, neighborhood schools, and independent businesses.

There is a genuine sense of solidarity among the residents—a collaboration of people working together to build their living environment. The future looks bright: Young families are relocating for the quality of life, entrepreneurs for the opportunities, and brokers for the vibrancy of a rapidly evolving market. Real estate remains synonymous with opportunity.

Saint-Sauveur

RESORT AREAS: NATURE AS LUXURY

Saint-Sauveur, Sainte-Adèle, Sainte-Agathe-des-Monts, Val-David, Saint-Adolphe-d’Howard, Saint-Donat, Mont-Tremblant

An hour away from Montreal, the scenery changes, along with the pace of life. Here, you can breathe differently. Mountains line the horizon, lakes reflect the seasons like mirrors, and each property is part of a landscape where silence feels like a promise. These areas are highly sought after by those looking for refuge—a place where work and life blend harmoniously.

More and more buyers are converting their cottages into primary residences. Micro-homes, hybrid houses, and natural materials like wood, stone, and glass are becoming increasingly popular, as they combine modern design with rustic warmth. Villages are modernizing while still retaining their charm, and each transaction tells a story from the heart.

OUR FOOTPRINT, YOUR TERRITORY

Whether you prefer the downtown vibe, lakeside views, or wooded trails, there is a RE/MAX du Cartier neighborhood that fits your lifestyle.

Our offices at the heart of your everyday life 16 locations supporting you where you live, work, and dream.

16 offices to better serve you

PLATEAU MONT-ROYAL

835, boul. Saint-Joseph Est

Montréal, QC H2J 1K5 Off.: 514 281-5501

OUTREMONT

1290, rue Bernard Ouest, Office 100

Outremont, QC H2V 1V9 Off.: 514 271-2131

TOWN OF MOUNT ROYAL

1257, boul. Laird

Mont-Royal, QC H3P 2S9 Off.: 514 731-7575

VILLERAY

7085, boul. Saint-Laurent

Montréal, QC H2S 3E3 Off.: 514 278-7170

HOMA

3193, rue Ontario Est

Montréal, QC H1W 1P1 Off.: 438 227-8437

LAVAL

2820, boul. St-Martin Est, Office 201, Duvernay (Laval), QC H7E 5A1 Off.: 450 661-6810

SAINT-SAUVEUR

286, rue Principale

Saint-Sauveur, QC J0R 1R0 Off.: 450 227-8411

SAINT-JÉRÔME

14 000, rue de la Chapelle

Mirabel, QC J7J 2C8 Off.: 450 431-1515

MIRABEL

11 900, rue de l’Avenir, Office 401

Mirabel, QC J7J 2T6 Off.: 450 475-0911

LACHUTE

456, rue Principale, Bureau 101

Lachute, QC J8H 1Y3

Off.: 450 562-5252

SAINTE-ADÈLE

795, boul. de Sainte-Adèle

Sainte-Adèle, QC J8B 2N1 Off.: 450 229-6666

SAINT-DONAT

327, rue Principale

Saint-Donat, QC J0T 2C0 Off.: 819 424-5775

SAINTE-AGATHE-DES-MONTS 15, rue Principale Est

Sainte-Agathe-des-Monts

QC J8C 1J2 Off.: 819 326-6860

SAINT-ADOLPHE-D’HOWARD

1745, chemin du Village

Saint-Adolphe-d’Howard, QC J0T 2B0 Off.: 819 327-3413

VAL-DAVID

2515, rue de l’Église

Val-David, QC J0T 2N0 Off.: 819 322-3666

MONT-TREMBLANT

771, rue de Saint-Jovite

Mont-Tremblant, QC J8E 3J8 Off.: 819 425-8648

The RE/MAX Collection is a specialized program tailored for luxury properties:

• Comprehensive support throughout the representation and transaction process.

• International exposure through a network and tools specifically designed for the RE/MAX Collection program.

• Professional property enhancement and photography services.

• Creation of a high-quality, customized printed presentation document for each property.

• Unique signage displayed in the program’s distinctive colors.

global.remax.com

The

energy and remarkable pride behind these strategies have established RE/MAX Quebec as a leader in real estate since 1982.

Prestigious properties 2026 The year value takes on its full meaning

Luxury real estate is being redefined: experience, rarity, and precision are becoming the new cornerstones of prestige.

In 2026, the market for exceptional properties in Canada is expected to reach a balanced and selective state. The excesses of the previous overheated years will give way to a more thoughtful approach, emphasizing quality, sustainability, and emotional appeal.

For sellers, this presents an opportunity to showcase their property effectively, where every detail matters. For buyers, now is an opportune time to invest in properties that are valued for their scarcity and authenticity.

Mordor Intelligence estimates that the Canadian luxury residential market will reach $8.8 billion by 2025, with projected growth to $11.28 billion by 2030. Sales of properties priced above CAD 1 million continue to rise in major urban centers, supported by economic stability and a desire for an elevated lifestyle.

A MORE STABLE, YET MORE DEMANDING MARKET

In 2026, buyers are no longer just looking to “buy a property”; they want to invest in a lifestyle. They analyze, compare, and anticipate more than ever before. Properties that are well-positioned, well-described, and wellpresented stand out from the rest.

What this means for you:

Your luxury property should be marketed not merely as another house, but as a unique work of art. A clear positioning strategy, a thoughtfully considered price, and impeccable presentation can transform a sale into a success. Rarity, location, and quality of execution are now the three key factors that define value.

PRESTIGE IS EXPERIENCED, NOT MEASURED

High-end buyers seek spaces that evoke feelings such as lightness, tranquility, thoughtful design, and an overall sense of a well-crafted environment. Prestige is no longer defined solely by the use of luxurious materials; it now encompasses the harmony between location, emotion, and functionality.

What this means for you:

By sharing the story of your property—its history, ambiance, and unique features—you can enhance its perceived value. Effective storytelling fosters an immediate connection with potential buyers, even before their first visit.

A study by the Luxury Home Marketing Institute shows that properties with comprehensive narrative content, including text, photos, and immersive videos, sell 23% faster and at prices above the market average.

SUSTAINABILITY AND TECHNOLOGY: THE NEW FACE OF LUXURY

In 2026, high-end products are no longer synonymous with excess; they are synonymous with intelligence and mastery.

offers. For sellers, this presents a unique opportunity to connect with a pool of qualified and committed buyers.

In prestige, value is not imposed: It is felt.

High-performance, connected, eco-friendly, and LEEDcertified homes attract buyers who seek meaning and think long term. Technology enhances the living experience through features like energy management, discreet home automation, integrated security, and personalized comfort.

What this means for you:

Investing in sustainability can increase resale value by 7% to 12%, while also enhancing daily comfort. These features are now viewed as symbols of prestige rather than optional additions.

EXPANDING INTERNATIONAL REACH

With the return of foreign buyers and the strength of the Canadian market, luxury properties are attracting global clientele. Investors are drawn to the stability, high architectural quality, and balanced lifestyle that Canada

What this means for you:

As part of the Collection program, your property will benefit from marketing that transcends borders, providing international visibility, premium distribution, and high-end presentation services.

TRUE LUXURY? TRUST

In a market filled with images, a Collection broker is more than just an intermediary; they become a strategic partner who helps you showcase your property. Their role is to embody trust, analyze trends, understand the psychology of luxury, and accurately defend your value.

What this means for you:

In 2026, the success of a prestigious transaction depends on the perfect balance between emotion and precision. Your broker is there to orchestrate this process with tact, rigor, and a level of attention to detail that only experience can provide.

The luxury market in 2026 is not experiencing excessive growth; instead, it is undergoing continuous refinement. Exceptional properties are not increasing in number; they are setting themselves apart. Those that do stand out tend to sell quickly, sustainably, and brilliantly.

Between performance and relevance, the face of commerce is changing Quebec in the midst of transformation

The past few years have transformed Quebec’s commercial landscape. Hybrid spaces, shared offices, and premises converted into living areas have emerged. The commercial market is no longer solely focused on numbers; it is adapting to human behavior. While some perceive volatility, others see opportunities for innovation.

RE/MAX du Cartier commercial real estate brokers are observing a clear trend: Businesses are seeking less square footage but more meaningful spaces. Factors such as design, flexibility, and location are now crucial for profitability.

NEW MARKET BENCHMARKS

The lines between work, dining, and recreational experiences are becoming increasingly blurred. Commercial spaces are transforming to meet the needs of customers who prioritize proximity, well-being, and versatility. What were once vacant premises are now evolving into creative offices, studios, cafés, and clinics. Commercial real estate is no longer static; it is becoming a dynamic entity that adapts alongside the needs of communities.

THE VALUE OF LOCAL EXPERTISE

The success of any commercial investment relies on a deep understanding of the local area. RE/MAX du Cartier and RE/MAX du Cartier Bonjour brokers collaborate closely with entrepreneurs, investors, and developers to pinpoint high-potential locations, anticipate market trends, and carefully structure transactions. This approach goes beyond just closing a deal; it’s about crafting a comprehensive business strategy.

PORTRAITS OF INSPIRING PROJECTS

• Villeray: The resurgence of local businesses and the promotion of a “local lifestyle” are revitalizing historic commercial streets.

• Saint-Sauveur: New entrepreneurs are redefining experiential tourism and enhancing seasonal uses.

• Laval: Industrial areas are being transformed into hubs of innovation and specialized services.

Each region has its unique dynamics, which is precisely where the true value of a broker deeply rooted in their community lies.

In today’s commercial real estate market, agility is key. Properties are no longer simply rented or sold; they are designed, adapted, and optimized to meet the actual needs of businesses.

— RE/MAX du Cartier and RE/MAX du Cartier Bonjour Commercial team

When innovation enhances the role of the broker Technology serving the real estate sector

The world of real estate is undergoing a beautiful transformation. We’re no longer witnessing a profession that clings to outdated practices; instead, we’re seeing an industry that embraces reinvention through technology. This change isn’t a faceless revolution driven solely by screens and algorithms. It is a natural evolution, led by brokers who skillfully combine human expertise with digital tools to provide a clearer, faster, and, most importantly, more personalized experience.

Nowadays, the process often begins long before the first in-person visit. Buyers explore neighborhoods, investigate properties, or visualize spaces, sometimes without ever setting foot inside. Tools like 3D modeling, virtual tours, and interactive photos allow them to imagine themselves in these spaces from the very start. An empty condo can be transformed into a captivating environment, and a sunlit living room can be experienced at any time of day. This is not merely a gimmick; it’s a powerful way to evoke emotion and foster an immediate connection between a home and its future owner.

In this modern staging, the broker acts as the conductor, sharing the story of the property even before potential buyers enter.

But the true power of technology operates behind the scenes. Every marketing campaign today relies on data analysis that provides an exceptional understanding of the market. Which sectors are the most active? What types of properties generate the most interest? How long does it typically take for a property to sell in your neighborhood? Digital tools offer real-time answers to these questions. They enable brokers to adjust their strategies, set appropriate prices, and determine the best timing to launch or relaunch advertising campaigns. It’s a mix of intuition and analytics—combining gut feelings with data-driven insights.

For sellers, this evolution changes everything. Their property is no longer just advertised; it is thoughtfully analyzed and monitored. Every virtual visit, click, and request for information becomes an indicator. A wellequipped broker knows how to interpret these signals and take action before potential problems arise. It’s similar to every property having its own dashboard—a clear overview of the sales process.

Paradoxically, as technology advances, the importance of human relationships increases. Amid all the data, graphs, and algorithms, you still need someone to listen, interpret, reassure, and advise. Modern management platforms and CRMs help by freeing up time, reducing paperwork, and minimizing scattered emails, allowing more focus on what truly matters: The customer.

In reality, innovation does not replace anything; rather, it amplifies everything. It enhances transparency in exchanges, makes decisions more informed, and delivers more tangible results. This allows each broker to concentrate on their true role: Assisting people with one of the most significant decisions of their lives.

The future of real estate will not be dominated by robots or virtual homes. Instead, it will be built on trust, strategy, and strong relationships, all supported by intelligent and seamless tools. When used effectively, technology does not replace brokers; it empowers them.

2026 trends

A new twist on interior design

THE 2026 STYLE: BEAUTY THAT BENEFITS YOU

This year, design is embracing a more human touch. Homes are no longer focused on impressing; instead, they aim to provide comfort and tranquility. We desire spaces that are inviting and tell a story. Today, luxury is not defined by what gleams, but by the feeling you get when you step through the door and instantly feel at ease. It’s about materials that come alive, light that creates warmth, and objects that hold significance.

“Beauty holds value only when it enhances our well-being.”

In 2026, interior design will emphasize authenticity. Expect soft shapes, inviting textures, and comforting colors. Our homes will transform into spaces where we can breathe, a sanctuary where we can reconnect with ourselves.

MATERIALS ARE MAKING A COMEBACK

We are returning to what is real and tangible. Lime walls, light wood, linen, and natural stone—everything with a history—is making a comeback. Perfect surfaces are being replaced by textures that offer relief. A rough wall can transform into a work of art, a slightly worn floor adds character, and a textured fabric sofa can instantly warm up a room.

“What we see matters, but what we feel matters even more.”

Interior designers play with contrasts. A thick rug on a wooden floor. A rough stone table surrounded by fabric chairs. A light curtain in front of a textured wall. These combinations create a lively and balanced atmosphere.

NATURAL YET VIBRANT COLORS

The colors of 2026 are inspired by nature and light. Soothing greens will dominate the palette, ranging from sage to olive. Beiges, taupes, and sand tones will replace the cool grays of previous years. Accents of clay, copper, and terracotta will introduce subtle warmth. These shades convey calmness and stability, creating a welcoming atmosphere without feeling monotonous.

Bold ideas:

• Paint a wall a soft green to make the space feel bigger.

• Add terracotta cushions to a beige sofa.

• Mix light woods with matte copper accessories.

“In 2026, color is used not only to decorate, but to calm and restore.”

SOFT, ROUNDED SHAPES

Rigid lines are giving way to more natural forms. Sofas are becoming more rounded, tables are adopting organic shapes, and lamps are resembling pebbles. These curves create a feeling of security and harmony, promoting fluidity and inviting you to slow down. To incorporate this trend into your home, consider the following:

• An oval mirror in the entryway.

• A rounded coffee table in the living room.

• Decorative arches or spherical light fixtures.

“Curves are the smile of design.”

Soft shapes make a home feel more welcoming. They remind us that beauty lies in movement, not perfection.

THE RETURN OF HANDMADE ITEMS

High-end design is once again celebrating craftsmanship and quality materials. Handmade objects, locally sourced materials, and unique pieces are becoming new symbols of refinement. A blown glass lamp, a ceramic vase, or a table crafted by an artisan all tell a story. Each imperfection is a mark of authenticity, and every object reflects the skill of its maker. Proximity to craftsmen and a focus on sustainability are highly valued. We are choosing fewer items, but choosing them more thoughtfully. Luxury is now measured by the sincerity of what we choose to surround ourselves with.

“An imperfect but authentic object is always more beautiful than a perfect yet soulless one.”

LIVING

IN A SPACE THAT REFLECTS WHO WE ARE In 2026, it’s no longer important to follow trends; instead, we focus on what truly makes us feel good. Our homes become extensions of ourselves—a space where light, colors, and textures work together to create a sense of balance.

“A successful interior is a place where you can breathe easier.”

Designers agree: The best decor is the kind that soothes us. We seek consistency over performance— spaces that inspire calm, gentleness, and a joyful spirit.

Quiz: What is your 2026 design style?

Answer spontaneously, without overthinking.

1. What is your ideal first impression when you walk into your home?

A. Bright and natural

B. Calm and organized

C. Warm and vibrant

2. If your home were a material, it would be:

A. Linen

B. Stone

C. Wood

3. You prefer:

A. Soft, neutral tones

B. Subtle contrasts

C. Warm accents of color

Your favorite piece of furniture would be:

A. A light wood table

B. A taupe rounded sofa

C. A handmade blown-glass lamp

Results:

• Majority of A: Calm nature style—soft, bright, and harmonious.

• Majority of B: Timeless elegance style—understated, textured, and balanced.

• Majority of C: Creative warmth style—lively, authentic, and welcoming.

Regardless of your style, the key is to create a space where you feel good every day.

The RE/MAX du Cartier and RE/MAX du Cartier Bonjour experience For sellers

By working with a RE/MAX du Cartier and RE/MAX du Cartier Bonjour real estate broker, you are guaranteed to receive the best service, sound advice, and all the benefits of our extensive network. Below is an overview of the services we provide throughout the process of selling your property.

AT ALL TIMES

• Assessing your needs and expectations.

• Explaining the transaction process and providing support throughout the sale.

• Representing your interests and protecting your rights and all confidential information.

• Ensuring compliance with the Real Estate Brokerage Act and other applicable laws.

• Sharing information about the protections and benefits provided by the Real Estate Brokerage Act, as well as details on broker training, ethics, and the professional standards to which we are subject.

• Providing information on the protections and benefits offered by professional liability insurance, the compensation fund, and the guidance and support being delivered by the OACIQ, our agency, and our network.

• Reporting on the advantages of collaborating among brokers.

• Accessing our network of professionals and specialists who are facilitating the sale of your property.

WHEN SIGNING THE BROKERAGE AGREEMENT

• Explaining property documentation: Deed of sale, mortgage rights, property index, property charges, certificate of location, declaration of co-ownership, building regulations, unit description, and contingency fund.

• Analyzing property-related information and documents, such as tax accounts, zoning regulations, and use cases.

• Describing the property’s history on the Centris broker collaboration system (SIA/MLS service).

• Examining your legal environment and its impact on your ability to sell, considering factors like family residence, matrimonial regime, estate, corporation, and identity.

• Maximizing the visibility and appeal of your property to other brokers and the public by listing it on the Centris distribution service and the remax-quebec.com website.

• Providing information on penalties or other contractual consequences that could result from early repayment of your current mortgage.

• Offering solutions for contingencies that may arise during a real estate transaction and providing free legal advice through the Tranquilli-T program.

• Describing the benefits of the Integri-T program, which aims to increase the appeal of your property and offer protection in the event of a claim for hidden defects.

• Providing guidance on how to manage visits and access to your property for collaborating brokers.

• Following up on communications management.

WHEN DECIDING ON THE MARKET VALUE OF THE PROPERTY

• Conducting a comparative study of the latest properties sold in your area to determine a realistic and effective price for your property.

• Analyzing market trends, including average sale prices, time on the market, and differences between sale prices and asking prices, etc.

• Analyzing various factors that could influence the value of your property: Location, zoning, year of construction, renovations, amenities, outbuildings, garage, swimming pool, fireplace, type of heating, etc.

• Identifying improvements, compensation, and other expenses when evaluating the net proceeds from a sale.

• Providing information on various tax programs you may be eligible for and recommend advisors who can assist you in taking advantage of these benefits. For instance, you may be able to deduct moving expenses from your taxes if you relocate less than 40 km from your new job location.

WHEN DRAFTING THE DESCRIPTION AND THE SELLER’S DECLARATION

• Drafting promotional and professional text that emphasizes the unique features of your property and neighborhood, including positively describing public transportation options, local amenities, schools, parks, shops, and services.

• Offering a commission share to other real estate brokers to encourage collaboration and attract a larger pool of potential buyers.

• Providing guidance on including and excluding items during the sale, helping to clarify your obligations throughout the process.

• Gathering the necessary information and documents to list the specific features and any negative factors in the seller’s disclosure statement.

• Detailing the characteristics, constraints, and highlights of the building’s environment and neighborhood.

WHEN LISTING THE PROPERTY

• Taking professional photographs to publish highquality images of the property.

• Filming a promotional video to showcase the property.

• Optimizing the viewing experience for potential buyers, which may involve consulting with a home staging specialist or offering suggestions for necessary improvements, repairs, or renovations.

• Suggesting and organizing promotional activities, including open houses, mailings to clients and referrals, and broker tours.

• Listing your property on Centris and remax-quebec.com, as well as promoting it on social media platforms.

• Highlighting the marketing advantages of the RE/MAX Collection, if applicable.

WHEN POTENTIAL BUYERS VISIT

• Offering clear and comprehensive information in an objective way while treating all potential buyers fairly and equitably.

• Verifying the seriousness of all potential buyers and their ability to follow through on a purchase offer.

• Being available to potential buyers, attending viewings, and answering all their questions.

• Providing a report after each viewing.

WHEN RECEIVING, PRESENTING, AND NEGOTIATING ANY PROMISE TO PURCHASE

• Assessing the legal environment and capacity to purchase, including factors such as the matrimonial regime, corporate status, and identity verification.

• Considering your requirements regarding the desired sale price and important conditions, including the date of possession.

• Explaining the completion conditions and deadlines proposed by the buyer in their offer to purchase and its appendices. In cases of multiple offers, identifying the one that best meets your desired conditions.

• Adhering to deadlines and respecting your constraints and priorities throughout the process.

• Formulating counteroffers, specifying necessary contract clauses, and outlining any other potential responses.

• Monitoring closely to ensure that all conditions of the purchase offer are met promptly, including the buyer’s ability to pay the agreed amount, secure financing, and complete property inspections.

• Coordinating the timing of the sale and the release of your property with the purchase and possession of the new property you are acquiring.

WHEN INSPECTING THE PROPERTY

• Being available to answer any questions.

• Reviewing the inspection report, recommendations, and, if necessary, suggesting additional expertise.

WHEN SIGNING AT THE NOTARY’S OFFICE

• Reviewing documentation, making recommendations when necessary, and answering questions.

• Being available to provide recommendations after reviewing documentation.

• Verifying release and possession dates.

• Evaluating your satisfaction with our services.

Whenever you need us, our dedicated brokers are just a call away, ready to provide you with personalized recommendations.

Real estate photography session

The complete guide to preparing your property for a photo shoot

Before the real estate photographer arrives, we recommend preparing both the exterior and interior of the property to ensure a clean and uncluttered environment. We will provide you with a detailed list of tasks to help get the property ready.

STEP 1: PREPARE THE PROPERTY’S EXTERIOR APPEARANCE

The exterior look is often overlooked during preparation, but it creates the first impression potential buyers will have of the property.

• Mow the lawn and remove the weeds.

• Clean the pool and remove the cover; store the cover in the shed.

• Put away the children’s toys.

• Remove the BBQ cover (if possible) and store it.

• Move the trash cans out of sight by placing them in the garage or further down the street.

• Store bikes in the shed or garage.

• For houses surrounded by trees, ensure that the gutters are clean, as aerial shots will clearly show whether they are empty or not.

• In the patio area, arrange the cushions on the outdoor couches and open the umbrella. You may also set up the table.

• Notify the owners and neighbors (if possible) not to park their vehicles in front of the property.

STEP 2: CLEAN, TIDY, AND DECLUTTER

Thorough cleaning and decluttering ensure your property appears tidy and helps prevent dirty appliances or overly personalized rooms in real estate photos.

• Clean all surfaces, including floors, mirrors, countertops, faucets, stovetops, and appliances.

• Organize each room by removing overly personal items, decluttering, and eliminating unnecessary items.

• Make the beds, arrange cushions on the sofas, and turn off any TVs.

• Open all curtains and blinds, and turn on all interior lights.

• Ensure that all light fixtures have bulbs of the same color temperature (either warm OR cool).

STEP 3: SET THE MOOD AND MAKE THE PROPERTY WELCOMING

It’s often the small details that make a big difference.

These finishing touches highlight the quality of life the property offers and help buyers envision a happy and comfortable future.

• Add green plants to bring life and color to your space.

• Light the fireplace (if possible) to create warmth.

• Use scented candles or essential oil diffusers to create a refreshing atmosphere, particularly in living rooms and bathrooms.

• Incorporate plush rugs in key areas to add texture and comfort underfoot.

• Set the scene for a dinner table or breakfast nook with beautiful tableware and glassware.

WHAT ABOUT PETS?

Will there be a pet present during the real estate photo shoot?

• Ensure that the pet does not pose any safety risks to the photographer. If necessary, move the pet to a room that will not be included in the photos.

• Be sure to hide the cat’s litter box and remove any feces from the lawn.

Guarantees and responsibilities of the parties Real estate sale

1. KEY PRINCIPLES

A property sale contract can be executed with or without a legal warranty. In most cases, property sales include a legal warranty.

However, there are instances when the warranty may be excluded, such as when the sale occurs through an estate or as part of a refinancing process. In these cases, your broker will inform you that properties are sold at a lower price because the lack of a warranty increases the buyer’s financial risk if any defects are discovered.

To exclude the legal warranty, the deed of sale must include a clear statement wording as follows: “The sale is made without legal warranty and at the buyer’s risk.”

If the legal warranty of quality is not explicitly excluded, it will apply automatically. Both the pre-contractual documents and the deed of sale should clearly state: “This sale is made with the legal warranty of quality.”

Purpose of the warranty

The quality warranty ensures that the buyer can seek compensation from the seller if hidden defects are discovered after the purchase.

For a defect to qualify as “hidden” under the law and allow the use of the quality warranty, it must meet the following criteria: The defect must have existed before the sale, it must be significant enough to impair the intended use of the property, and it must be unknown to the buyer despite a careful examination of the property prior to the sale. The buyer is not required to hire an expert for this examination.

It is important to note that normal wear and tear of the property is specifically excluded from this warranty.

2. THE FIRST STEP IN ANY RECOURSE:

SENDING A FORMAL NOTICE TO THE SELLER

It is important to notify the seller in writing about

any defects as soon as they are discovered or within a reasonable timeframe. Doing so enables the seller to fulfill their warranty obligations and allows for an inspection by an expert, if necessary, before any corrective work is undertaken. Failing to provide this notice may result in the court rejecting your recourse.

The importance of the seller’s declaration

For a defect to be classified as a hidden defect, it must be unknown to the buyer. Therefore, it is essential for the seller to disclose all known issues related to the property in the seller’s declaration.

It is important to note that any false statement made by the seller may constitute fraud. This could allow the buyer to claim not only the costs needed to correct the defect but also additional damages.

To avoid this, the seller must be as transparent as possible about the property’s history and disclose any issues that could impact its condition. This includes problems related to electrical systems, plumbing, ventilation, insulation, drainage, foundations, structure, and more. Essentially, the seller should provide written declarations of any past events that may have affected the property, as well as details about any renovations that have been completed.

This statement will assist the buyer in evaluating the condition of the building and anticipating any necessary renovations. It will also help the pre-purchase inspector focus on additional details that will enable them to provide a thorough report to the future owners.

Providing invoices for completed work, cost estimates, expert reports, municipal permits, and any other relevant documents you possess can be very beneficial and help prevent future issues. Disclosing roof repairs along with supporting invoices and warranties will allow the buyer to fully understand the situation before making a purchase.

It is important for the seller to provide clear information when completing their declaration. The seller’s declaration should be prepared by the seller with the assistance of the real estate broker. This declaration should include all relevant details about the building’s history, including maintenance, renovations, and any claims.

Before this important meeting, make sure to do your research: Gather and have accessible all your files, invoices, and warranties, and proceed with care alongside your broker. It is in your best interest to be transparent about the condition of your building and not to withhold any information.

It is advisable for buyers to review the seller’s declaration statement before submitting their purchase offer. Discussing this statement with their broker or inspector, if necessary, is also highly recommended. Buyer diligence is just as important as the transparency provided in the seller’s declarations.

While a pre-purchase inspection is not legally required, we believe it is valuable in most situations—whether the sale is with or without a warranty. This inspection helps buyers

fully understand the building’s condition before purchasing and enables them to plan for future maintenance and renovations as advised by the expert.

This document outlines the general principles of quality guarantees. For a more detailed opinion on the subject, we recommend consulting a legal professional. Please note that the advice and principles presented in this document are not exhaustive.

Pre-sale inspection

A pre-sale inspection is becoming increasingly popular among sellers as it provides a detailed understanding of the home’s condition. This insight allows you to address any necessary repairs, which can help you avoid losing a potential buyer or facing financial losses during negotiations over repairs. It also gives buyers confidence about the property’s condition and simplifies the broker’s job. Similar to a pre-purchase inspection, a pre-sale inspection is a visual and functional assessment that covers a wide range of items, such as:

• Roof covering and structure.

• Exterior cladding.

• Foundation.

• Analysis of cracks in the foundation, wall, and ceiling coverings inside the house.

• Electrical system and distribution panel (if safe to open).

• Air conditioning and heating system.

• Proper functioning and condition of doors and windows.

• Flashings on the roof, doors, windows, and exterior cladding.

• All caulking.

• Occupant safety measures (steps, access, fire safety, pool access, guardrails, etc.).

• Inspection of attic and basement insulation and vapor barrier.

• Basement and crawl space condition.

• All plumbing and water quality analysis (if supplied by a well).

• Condition of interior components (walls, floors, ceilings, steps, kitchen).

In fact, a pre-sale inspection is a detailed analysis of the overall condition or “general health” of the house, covering everything from the basement to the attic and including the exterior of the building.

After inspecting your home, the inspector will provide you with a detailed report that includes their observations on the condition of the property, recommendations and advice, along with several photos. This step allows you to get an overall picture of the property so that you can make any necessary corrections. It significantly simplifies the sales process for both you and your real estate broker.

It’s important to recognize that no house is perfect, and there will always be some anomalies, which can range from minor to major. Therefore, even if you have lived in your home for several years, the inspection may uncover certain defects that you were not aware of. Identifying these issues in advance can help you avoid any surprises during future inspections conducted by potential buyers.

A pre-sale inspection offers potential buyers valuable insights into the overall condition of your home, which can be very reassuring. Many sellers who have had a pre-sale inspection conducted choose to provide the inspection report along with an appendix that details the repairs made to enhance the home’s condition. This practice can help prevent prolonged negotiations and address any concerns that future buyers might have. By being transparent and sharing both the pre-sale inspection report and the appendix listing any work or modifications completed, sellers can instill confidence in potential buyers about their good faith and the condition of the home. In a competitive market where multiple buyers are interested in the same property, having a pre-sale inspection completed can be a significant advantage and streamline the transaction process.

A pre-sale inspection is not only beneficial for selling a property, but it also provides current homeowners with a thorough check of their home. This process can help you

learn valuable information about your property, enabling you to make necessary repairs to maintain its optimal condition and prevent future issues. The inspection report serves as an excellent guide for maintenance and verification, and it can also assist in budgeting for future investments, such as caulking, roof replacement, water heater replacement, and more.

Contact us today to schedule your pre-sale inspection with our professionals!

Our inspection services

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1 844 744-4666

www.groupeimmospection.com 8-200, rue Principale, Saint-Sauveur QC

Certificate of location

This is a legally binding document prepared by a land surveyor that outlines the “health status” of a property in relation to title deeds, the land registry, and any applicable laws and regulations. The main purpose of this document is to inform the parties involved in a real estate transaction.

WHAT DOES IT CONTAIN?

It includes a report and a plan with, in particular:

• An updated description of the land, including the location of property boundaries.

• Compliance with relevant municipal and government regulations.

• Encroachments and views.

• Easements (e.g., right of way).

• Restrictions related to agricultural zones, flood zones, environmental protection zones, airport zones, etc.

NECESSARY PROTECTION

In a real estate transaction, it indicates whether a property is compliant or has irregularities that need to be identified to better protect all parties involved.

LIMITATION

The certificate of location must not be used to determine property boundaries or to undertake related works.

IS MY CERTIFICATE STILL VALID?

A certificate of location does not have a specific expiration date or any laws that would render it invalid. However, over time, the circumstances surrounding a property may change. In these cases, a lending institution or a cautious notary may require an updated certificate to reflect the current state of the property. It’s important to note that the Chambre des notaires du Québec and the Organisme d’autoréglementation du courtage immobilier du Québec stipulate that their members should obtain a certificate of location that is less than 10 years old, even if there have been no apparent changes to the property.

100, boulevard Industriel Saint-Eustache, QC J7R 5C2

450 974-3338 or 514 845-3745

Serving the North Shore, Laval, and Montreal

When expertise makes all the difference Enhance the value of your property before selling

Selling your home is more than just a transaction; it’s a significant life transition, marking the change from one chapter to another. At this pivotal moment, every detail matters, from the first impression online to the final signing at the notary’s office. Our brokers understand that each property has a unique strategy tailored to not only sell it but also to enhance its value.

Their goal is not merely to estimate the market price but to uncover the true value of your property. A buyer’s perception is influenced not just by square footage, but more importantly, by emotions, presentation, and trust.

1.

THE ART OF FIRST IMPRESSIONS

Today, everything begins with a photo. It often represents the first emotional connection a buyer has with a property, and it can also be the last opportunity for engagement if it fails to make an impact. Our brokers collaborate with photographers who specialize in real estate, as well as stylists and home staging experts, to effectively showcase your property. Key elements like good framing, natural light, and an uncluttered space make a significant difference. “The photo doesn’t just show a room; it conveys an atmosphere. That’s what makes people want to come and visit.” – A RE/MAX du Cartier broker

2. THE INVISIBLE MAINTENANCE: TRUST ABOVE ALL ELSE

What you can’t see, but can feel. When a property is properly cared for, it inspires confidence through various elements such as up-to-date bills, replaced filters, regular system maintenance, and preventive inspections. Our brokers are here to assist you with these essential preparations before you list your property on the market. By addressing potential issues in advance, we can help

prevent unpleasant surprises and anticipate any questions that may arise. The key is to prepare your home as if an inspector were coming tomorrow.

3. EMOTIONAL HOME STAGING

Stage your home, but do so without losing its character. Good home staging doesn’t change a house; it reveals it. Our brokers will guide you on which spaces to highlight, which colors to favor, and which furniture to move. The goal is for every visitor to think, “I can already see myself living here.”

In 2026, buyers are looking for simplicity, brightness, and authenticity. Homes with calming decor and no visual clutter stand out right away.

4. MODERNIZE WISELY

You don’t need to renovate everything to enhance your home’s appeal. Our brokers understand where to invest for maximum returns: A fresh coat of paint in a neutral shade, a modern faucet, and carefully selected lighting. These small, targeted improvements can significantly increase your home’s perceived value without turning your budget into a construction site.

5. SELLING WITH A STORY

Every home has a soul, and every soul deserves to be shared. Your broker articulates what the photos cannot convey: The morning light in the kitchen, the tranquility of the garden, and the warmth of the neighborhood. This subtle and genuine narrative establishes an emotional connection between your home and its future owner.

Selling is not merely about transferring property; it’s about passing on a way of life.

Decoration tips for cozy interiors

THE POWER OF PLANTS

Are you familiar with the concept of biophilic design? This approach involves incorporating plants into our decor to enhance the well-being of occupants and strengthen their connection with nature.

In addition to traditional pots placed on the floor or furniture, there are now trendy designs that can be hung on walls or ceilings.

For an authentic and bold decor, you can train a climbing plant up the wall using a structure specially designed for this purpose.

COLORFUL LIGHTING

Light fixtures are no longer just functional objects; they’ve become versatile decorative elements that help set the tone for the rest of a room’s design.

Simply changing a lampshade to a softer hue or adding a table lamp to a dark corner can really warm up your living spaces, especially when daylight hours are short. A little tip: Choose soft lighting bulbs rather than white ones to create a cozy effect.

String lights are a fun and practical option for illuminating any space, whether it’s a bedroom or a living room.

A SOFT RUG

To solve the problem of cold floors, a thick, soft rug is an excellent choice! It creates a cozy environment in the living room and keeps your feet warm while sitting on the sofa.

There is a wide range of styles and colors available, but if you have children at home, you may want to avoid very light colors.

CROCHETED ITEMS

Crocheted cushions, coasters, poufs, and throws add a warm, retro vibe to your home. Their texture and versatility make them popular, especially since they are machine washable.

FAUX FUR

Faux fur throws, cushions, and chair covers add softness, warmth, and comfort to your spaces. Incorporate them into every room to encourage relaxation and rest. Fluffy stools are sure to become favorites for the family!

Are you ready to sell your property?

Selling is more than just a real estate transaction; it’s a major life milestone. Before placing that “For Sale” sign in your yard, you need to balance reason and emotion, as well as consider your current home and your future. This quiz will help you take stock and gain insight into how a broker can make this transition smooth, confident, and successful.

Before selling a house, you prepare it, but more importantly, you prepare your heart. That’s where our journey begins.

–

RE/MAX du Cartier and RE/MAX du Cartier Bonjour team

1. THE INVISIBLE MAINTENANCE

A. Have you had your essential systems (heating, roof, plumbing, windows, electricity) inspected?

B. Do you keep invoices and warranties to provide to potential buyers?

C. Is your property free of persistent odors (dampness, pets, cooking smells)?

D. Does the exterior of your property (entrance, grounds, fence) reflect proper upkeep?

E. Are you prepared to invest a little time and money to address minor details before showings?

Invisible maintenance builds trust. Buyers can immediately sense whether a property has been well cared for or neglected. Paying attention to these details eliminates doubt and enhances the perceived value of your home.

2. CLEANING AND STAGING

A. Have you removed personal items and family photos?

B. Are your rooms tidy and well-lit?

C. Have you neutralized any overly bold colors or distracting decorations?

D. Have you prepared for quick clean-ups in case of unexpected visits?

E. Do you know which areas of the house will create a “wow factor”?

To purify is to reveal oneself. An overcrowded house hinders your ability to dream. A bright and balanced home radiates tranquility and conveys an impression of being well-maintained, thereby increasing its value.

3. EMOTION PREPARATION

A. Are you ready to detach your memories from this place?

B. Can you imagine someone else living here without feeling nostalgic?

C. Have you already visualized your next step, whether it’s a new home, project, or lifestyle?

D. Do you discuss the sale with excitement or apprehension?

E. Are you comfortable delegating the negotiation to a professional?

Selling your home represents a significant transition. You are not just leaving behind physical walls, but also an entire era of your life. The broker often serves as an emotional anchor; they help you make rational decisions while still acknowledging the sensitivity of the moment.

4. STRATEGIC PREPARATION

A. Are you aware of the current market value of your property?

B. Have you created a list of recent improvements to showcase?

C. Do you know what makes your property unique in your neighborhood?

D. Do you have a clear understanding of your timeline and flexibility regarding the sale?

E. Are you ready to invest in professional photos, marketing, or home staging?

Having a strategy is essential for a successful sale. Proper preparation before meeting your broker enables you to approach the market with both confidence and realism.

5. YOUR SELLER MINDSET

A. Have you set an emotional price, or thought about the real market value?

B. Are you open to honest feedback about your property?

C. Can you handle the stress that comes with showings, offers, and negotiations?

D. Are you comfortable with your broker taking the lead on negotiations?

E. Do you see this step as a loss or as a positive change?

A strong mindset accounts for 50% of a successful sale. The most confident sellers are those who see the sale as a stepping stone to what’s next, rather than as an ending.

RESULTS

• 18 to 25 “yes” answers: You are ready! Your home is clean and tidy, and your mind is as well.

• 10 to 17 “yes” answers: You are moving in the right direction. A RE/MAX du Cartier broker will assist you in taking the final steps methodically and calmly.

• 0 to 9 “yes” answers: Take the time to prepare. Now is the perfect opportunity to schedule an exploratory meeting with a broker, where you’ll gain clarity, confidence, and efficiency.

A successful sale starts long before the property is listed. It involves preparing the location, the heart, and the mind. That’s where our role truly shines.

– RE/MAX du Cartier and RE/MAX du Cartier Bonjour team

The key solution to hidden defects

Finalize your real estate transaction with confidence, knowing you won’t have to worry about hidden defects.

THE KEY SOLUTION TO HIDDEN DEFECTS!

The Integri-T guarantee is meant to protect both buyers and sellers after a real estate transaction. It significantly reduces the stress that arises from discovering hidden defects and offers substantial financial protection.

Along with financial coverage for hidden defects, our support service ensures quick and thorough assistance, allowing both buyers and sellers to avoid a tedious and costly legal process!

WANT TO SELL WITH PEACE OF MIND?

Provide your buyers with financial protection of up to $50,000 for a period of three years in case hidden defects are discovered.

• Attract more potential buyers.

• Sell at the right price with the added protection.

• Limit your financial liability to $5,000 for any claims exceeding this amount.

• Access a comprehensive conciliation service provided by experts.

• Eliminate the stress associated with potential lawsuits for hidden defects.

LOOKING TO BUY WITH CONFIDENCE?

Enjoy financial protection of up to $50,000 for three years against hidden defects.

• Take advantage of a comprehensive conciliation service offered by experts.

• Benefit from quicker corrective work.

• Significantly reduce the stress that comes with potential financial losses.

IN THE CASE OF HIDDEN DEFECTS, HOW DOES THE GUARANTEE WORK?

It’s straightforward: We handle everything! Whether you are the seller or the buyer, you will receive complete support and case management from our experts if you need to make a claim.

• No attorney fees are required.

• Avoid the need for court attendance.

• Ensure quick and simple claim processing.

• Eliminate administrative paperwork and tedious procedures.

• Enhance communication between buyers and sellers.

WHY CHOOSE THE INTEGRI-T GUARANTEE?

Whether you are a seller or a buyer, Integri-T minimizes financial consequences, avoids legal recourse, and ensures straightforward, effective, and harmonious management if hidden defects are discovered.

GET FINANCIAL PROTECTION OF UP TO $50,000 FOR ONLY $750* Examples of covered items include:

• Roof, attic, and insulation.

• Building structure and envelope.

• Foundation, walls, and concrete slab.

• Interior and exterior cladding, as well as subflooring.

• Doors and windows.

• Electrical, plumbing, heating, and ventilation systems.

• Water infiltration, mold, and the premature wear and tear of materials.

• Heat pumps.

Avoid

For a stress-free real estate transaction

The Tranquilli-T RE/MAX program is provided by The Insurance Company of Prince Edward Island. GPL Assurance Inc. serves as a registered insurance broker. This text offers a summary of the available coverage and should not be considered a legally binding document.

A REAL ESTATE TRANSACTION WITH COMPLETE PEACE OF MIND

Buying or selling a property is one of the most significant events in a person’s life. At RE/MAX du Cartier and RE/MAX du Cartier Bonjour, our dedicated brokers recognize the significance of this journey and are focused on making your experience as smooth as possible. With the RE/MAX Tranquilli-T program, you will receive the following benefits:

• Protection if there is a delay or withdrawal by either the buyer or the seller.

• Protection for the seller in the event of the buyer or their spouse’s death.

• Telephone legal assistance service, which includes guidance for small claims.

• Legal assistance for out-of-court settlements.

A DELAYED OR CANCELED TRANSACTION

Whether you are buying or selling a property, unforeseen events can sometimes arise, such as the withdrawal of financing, job loss, or issues with the certificate of location. These situations can delay the signing of the deed of sale and may even terminate the sale or purchase process. To address these challenges, the RE/MAX Tranquilli-T program offers reimbursement for verifiable, unforeseen, and reasonably incurred additional costs when such events occur after all conditions in the offer to purchase have been met. This reimbursement is subject to a $300 deductible and is available for 180 days following the scheduled date of signing the deed of sale, or up to the limit specified in the policy, whichever comes first.

DEATH OF THE BUYER

In the event of the death of the buyer or their spouse, the seller’s transaction covered by a Tranquilli-T policy will be managed under the RE/MAX Tranquilli-T program if the estate decides not to proceed with the property purchase. This program will assume the buyer’s commitments, and the agreed-upon sale price from the completed offer to purchase will be paid to the seller.

LEGAL ASSISTANCE BY TELEPHONE

Whether you’re buying or selling a property, the RE/MAX Tranquilli-T program provides you with access to a toll-free legal assistance hotline for any legal issues related to your property or transaction. Coverage starts when all conditions of the purchase offer are met and lasts for 18 months after closing.

If you have any questions or concerns, such as a neighborhood dispute or the discovery of a hidden defect, you can access a legal assistance hotline. This hotline is staffed by a member of the Quebec Bar who specializes in real estate transactions.

As part of this legal assistance service, you and your spouse will receive up to three hours of legal guidance for disputes that fall under the jurisdiction of the Small Claims Division of the Court of Quebec, specifically related to your transaction and your subsequent occupancy of the property.

Here are a few fictional cases that illustrate the benefits of the RE/MAX Tranquilli-T program.

The Tranquilli-T

program offers free legal assistance by telephone.

Legal assistance hotline

MELANIE’S STORY

Melanie recently bought her first home, a lovely bungalow. The inspection revealed no problems, and she signed the deed on October 12 as planned. She was delighted.

A few weeks after taking possession, while she was gardening in her backyard, her neighbor called out to her and asked if she could cut down the tree near the fence because, according to him, the roots were damaging his property.

Since this is her first home, Melanie is unsure of her rights and obligations in this situation. Remembering that she is covered by the RE/MAX Tranquilli-T program, she decides to call her insurance broker for more information.

THE TRANQUILLI-T RE/MAX SOLUTION

The insurance broker reassured Melanie and invited her to contact the legal assistance hotline, which provides free, unlimited legal advice for 18 months after signing the deed of sale.

Legal assistance hotline (small claims support)

PATRICK AND NADIA’S STORY

Two weeks after moving into their new home, Patrick and Nadia noticed that water had accumulated in their finished basement after a rainstorm. They consulted an expert, who confirmed that the problem was due to a crack in the foundation that had been there for some time. The estimated cost of repairs was $10,250.

Because the leak is the result of a latent defect, Patrick and Nadia want to take legal action against the seller, but they are not familiar with the Small Claims Court process.

THE TRANQUILLI-T RE/MAX SOLUTION

Patrick and Nadia are covered by the RE/MAX Tranquilli-T program, which offers them three hours of legal assistance via telephone from experienced lawyers who are members of the Quebec Bar Association.

Thanks to this legal assistance, Patrick and Nadia were guided through every step of the process of taking legal action against the seller.

The buyer dies

JULIE AND MAXIME’S STORY

On August 15, Julie and Maxime, through their RE/MAX broker, accepted an offer to purchase their property from Mr. Giroux and Ms. Laflèche. The signing of the deed of sale at the notary’s office was scheduled for November 1.

Julie and Maxime also purchased a new home with their RE/MAX broker, and the signing of the deed of sale for that property was also set for November 1.

On October 13, Mr. Giroux suddenly died in a car accident. As his spouse can no longer afford to buy a new property, she no longer wishes to proceed with the transaction. Therefore, the signing of the deed of sale must be canceled.

The RE/MAX broker informs Julie and Maxime, who are stunned by the news. They wonder if they will still be able to move into their new home on the scheduled date and, above all, how they will manage to pay two mortgages.

THE TRANQUILLI-T

RE/MAX SOLUTION

Because they are covered by the RE/MAX Tranquilli-T program, the buyer’s commitments were assumed by the program, and Julie and Maxime received the sale price specified in the purchase agreement. The process of reselling their property will be undertaken by the RE/MAX Tranquilli-T program, and any unexpected additional costs (taxes, maintenance, electricity, and heating) will be reimbursed by the RE/MAX Tranquilli-T program. Julie and Maxime therefore have no additional obligations to assume.

The buyer withdraws

LUCIE AND MICHEL’S STORY

Lucie and Michel are a young couple. By selling their property through a RE/MAX broker, they found their dream home on the edge of a lake and are set to move in on July 1, with an option for early possession.

In a very short time, their RE/MAX broker presents them with an offer to purchase from Mr. and Mrs. Lavoie, and the signing of the deed of sale is also scheduled for July 1. Since they have a firm offer, Lucie and Michel decide to take immediate possession of their waterfront home by securing a bridge loan.

However, a few days before the scheduled signing date at the notary’s office, Mr. Lavoie loses his job. The Lavoie couple’s financial institution informs them that, under these circumstances, it can no longer lend them the amount required to purchase the property. Lucie and Michel are very concerned about this situation because they have just taken possession of their new home.

THE TRANQUILLI-T RE/MAX SOLUTION

With the assistance of their RE/MAX broker, Lucie and Michel decided to relist their house while keeping their waterfront home. The RE/MAX Tranquilli-T program reimburses unexpected, verifiable, and reasonable expenses incurred due to the withdrawal of the purchase offer. This includes additional costs for electricity, gas, insurance, and maintenance, as well as interest on the bridge loan for their waterfront home. Fortunately, two months later, Lucie and Michel successfully sold their house.

The Tranquilli-T program, exclusive to RE/MAX clients, provides financial compensation and legal assistance to eligible buyers and sellers. If there is a delay or withdrawal during the purchase or sale of a property, the program covers any additional unforeseen expenses that may arise. Your participating RE/MAX broker will secure the Tranquilli-T policy on your behalf.

The benefits of being insured with title insurance

Title insurance is a form of protection against potential losses arising from issues related to property ownership. It represents an agreement between the insured individual and the title insurance company. In exchange for a one-time premium payment, the title insurance company agrees to safeguard the insured against future losses stemming from irregularities or events that occurred before the insurance policy was issued. In addition to providing protection against such losses, title insurance policies include a “duty to defend.” This means that the title insurance company will defend the insured in case of any legal claims related to the title. The policy is issued after a comprehensive review of land records and is based on the judgment of an experienced title examiner. In the event of a claim, the insured is not required to pay a deductible.

ADVANTAGES OF TITLE INSURANCE

1. Title insurance offers more extensive coverage than a certificate of location, and it even protects against errors that might be present in the latter.

2. It eliminates delays associated with title issues and other irregularities that may come up at the last minute during the due diligence checks carried out by your lawyer.

3. Title insurance allows the lender to proceed with the disbursement immediately after the mortgage is signed with the notary, making it possible for the transaction to be completed without any problems, even if it’s a last-minute deal.

OPTIMAL TITLE INSURANCE COVERAGE

Here is a non-exhaustive list of protections typically included in the general coverage of the owner’s policy:

• Fraud or identity theft (whether it occurs before or after the policy date).

• “Gap”: The time between the signing of the deed of sale and its publication in the land registry.

• Defects or irregularities that would have been revealed in a current certificate of location.

• Non-compliance with municipal regulations (e.g., zoning laws and setback requirements).

• Notice of violation of a municipal zoning bylaw.

• Encroachments on the property.

• Lack of access rights.

• Undisclosed property tax arrears or incorrect account statements.

• Legal construction mortgages.

• Errors in land registries.

• Incorrect cadastral designations.

• Undisclosed common expense arrears by the condominium association.

• Failure of the condominium to be validly constituted.

• Duty to defend: The insured’s duty to defend is a crucial aspect of all title insurance policies. Title insurers are responsible for covering all legal costs and fees associated with defending an insured risk, including the titles themselves.

GOOD TO KNOW

Several aspects of title insurance coverage can be unclear. To clarify, here are some key points to remember:

• Problems that arise after the policy date are not covered, except in cases of fraud.

• Defects that do not lead to actual loss for the insured cannot be the basis for a valid claim.

• The mortgage policy does not cover the property owner, and vice versa.

• Title insurance does not provide protection against losses resulting from:

- Borrower default.

- Property appraisal issues.

- The condition of the property or building.

- Air or water quality.

- Environmental issues.

In all cases, a written notice must be sent to the insurance company along with all relevant documents. It is important to note that the choice of remedy ultimately rests with the company, based on the terms and conditions of the title insurance policy.

EXAMPLES OF CLAIMS

Legal construction mortgages

• Payment of the outstanding amount at the end of the legal construction mortgage by the subcontractor, along with the payment of legal fees for its cancellation.

• Challenging the legal mortgage, which includes covering the legal fees for an expert in the field.

Encroachments

• Partial or complete demolition of the encroaching structure to bring the property into compliance.

• Relocation of the encroaching structure.

• Negotiation of an easement or purchase of a parcel of land.

• In some cases, compensation to the insured for the decrease in property value (i.e., the value of the property without the irregularity compared to the value of the property with the irregularity).

Non-compliance with a municipal zoning bylaw (setback)

• Complete demolition of the structure that is noncompliant.

• Partial demolition to bring the property into compliance.

• Relocation of the non-compliant structure.

• Negotiation of the purchase of a neighboring parcel of land to align the property with municipal regulations.

• In some cases, compensation to the insured for the decrease in property value (i.e., the value of the property without the irregularity compared to the value of the property with the irregularity).

Note: When the exempt structure is a swimming pool, the company will cover the costs of removal. However, the expenses for rebuilding it in another location will be the owner’s responsibility.

The RE/MAX du Cartier and RE/MAX du Cartier Bonjour experience For buyers

By working with a RE/MAX du Cartier and RE/MAX du Cartier Bonjour real estate broker, you are guaranteed to receive the best service, sound advice, and all the benefits of our extensive network. Below is an overview of the services we provide throughout the process of purchasing your property.

AT ALL TIMES

• A thorough assessment of your needs, including the type of property, key features, and the surrounding environment.

• Representation of your interests, protection of your rights, and safeguarding of your confidential information.

• Ongoing support throughout the entire purchasing process.

• Verification that all transactions comply with the Real Estate Brokerage Act and other applicable laws.

• Timely, written disclosure of any situations that may present a conflict of interest.

• An explanation of the benefits of a brokerage-purchase agreement, especially when dealing with attractive properties sold directly by their owners.

• Information about the protections and advantages provided to you by the Real Estate Brokerage Act, as well as the training, ethics, and professional standards we adhere to.

• Access to our network of professionals and specialists who can assist you in purchasing your property.

UPON SIGNING THE SERVICE CONTRACT WE HAVE AGREED UPON

• An assessment of the total cost of acquisition, which includes the property price, moving and installation costs, transfer duties, applicable taxes for purchasing a new property, professional service fees, travel expenses to the workplace, and any other foreseeable expenses.

• An assessment of the amounts required for the down payment, as well as the funds that will need to be borrowed or otherwise secured to complete the transaction.

• Consideration of the cost of any necessary mortgage insurance premiums (such as CMHC or others), if applicable.

• Information on various tax programs you may be eligible for, which include:

a. The Home Buyers’ Plan (HBP), which allows you to use funds accumulated in your RRSP (Registered Retirement Savings Plan);

b. Deductions for self-employed workers and investors related to mortgage interest;

c. The moving expense deduction, which allows you to deduct expenses incurred when moving less than 40 kilometers for a new job.

• Identification of the type of property that suits your needs (such as a single-family home, condo, etc.), along with an evaluation of available options (new or existing) and essential features your desired property should have.

• A search based on your selection criteria, with matching properties presented as they become available in the market.

TO SIMPLIFY THE PROCESS OF PURCHASING A PROPERTY

• Recommendation and coordination of meetings with our team of mortgage representatives and trusted partners, who will provide you with essential information and offer you the best mortgage and financing solutions tailored to your needs.

• Advice on obtaining a mortgage pre-approval, which will help determine your financial capacity and credibility with sellers, while protecting you from potential increases in your mortgage rate.

• Information on penalties or other contractual consequences that could arise from the early repayment of your current mortgage.

• Verification of your identity and the source of your funds is necessary to comply with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (FINTRAC).

• Presentation of income and main operating costs, if you are purchasing a building with more than one unit.

WHEN SEARCHING FOR PROPERTIES IN POTENTIAL AREAS

• Identification of priority areas based on your needs, along with a comparative analysis of the latest properties sold in these areas.

• Analysis of market trends in these regions, including average prices, time to sell, differences between selling and listed prices, and other relevant statistics.

• Information on neighborhood attributes, such as socioeconomic profiles, local resources, schools, parks, shops, and services.

• Property searches based on type, key features, and environment to meet your specific requirements.

WHEN VIEWING PROPERTIES

• Proactive support during visits to help you learn about the various features of the property and the surrounding area.

WHEN A PROPERTY MATCHES YOUR CRITERIA

• An assessment of the sellers’ legal situation and how it impacts their ability to sell, including factors such as marital status, corporate status, and identity verification.

• Documentation related to the property, which includes the deed of sale, mortgage rights, building index, building charges, certificate of location, declaration of co-ownership, building regulations, descriptive statement of the unit, tax account, zoning and use restrictions, limitations, and easements.

• Information regarding products and services related to asset protection in the context of this transaction.

• Details about the property’s history within the SIA/ MLS broker collaboration system, as well as its environmental characteristics, constraints, and historical context in the area.

• Verification of previous inappropriate uses of the property, such as cannabis cultivation, or other negative factors that may affect your willingness to purchase or the property’s value should be verified.

• Information on products and services related to this transaction involving asset protection.

WHEN SUBMITTING A PURCHASE OFFER

• Evaluation of the information provided in the property description and the seller’s declaration, considering various factors that may influence the property’s value, such as location, zoning, year of construction, renovations, materials, amenities, outbuildings, garage, swimming pool, fireplace, heating type, and more.

• Drafting a promise to purchase that includes all the necessary elements to meet your requirements and needs.

• Calculating the costs you will incur, such as moving expenses and potential improvements to the property.

• Advising on the selection of inclusions and related

obligations, while identifying items that are typically included by default.

• Providing solutions for potential contingencies that may arise during a real estate transaction, along with free legal advice through the Tranquilli-T program.

• Informing you about the importance of obtaining a coverage letter from a general insurance company.

WHEN NEGOTIATING THE PURCHASE OFFER OR COUNTEROFFER

• Development of a negotiation strategy that balances the desired fair price with the interests of all parties involved.

• Consideration of your requirements for the purchase price, key conditions, and preferred closing date.

• Simplification of the sellers’ proposed completion conditions and deadlines while highlighting the advantages of your proposal, especially if multiple offers are received.

• Adherence to deadlines in line with your constraints and priorities.

• Preparation of counteroffers, necessary contractual clauses, and other potential responses.

• Presentation of your purchase offer that emphasizes your personal interests throughout the negotiation process.

• Close monitoring to ensure that all conditions in the offer to purchase are quickly met, particularly those related to your ability to pay the agreed-upon amount and the inspection of the property.

WHEN INSPECTING THE PROPERTY

• Recommendations for qualified inspectors to ensure a professional inspection of the property you are interested in.

• An overview of the benefits of the Integri-T program, which provides protection against hidden defects.

• Availability to answer any questions you may have.

• A review of the inspection report, along with recommendations and, if needed, suggestions for obtaining additional expert opinions.

WHEN SIGNING AT THE NOTARY’S OFFICE

• Review documentation and provide recommendations as needed or answer questions.

• Availability for offering recommendations after documentation review.

• Verification of release and possession dates.

• Evaluation of your satisfaction with our services.

AN ARTICLE FROM AMERISPEC - INSPECTION SERVICES

The importance of a pre-purchase inspection

Buying a home can be an exciting yet stressful experience. You’ve found your dream home, but you might have concerns about its condition. Are there cracks in the foundation? Is the plumbing outdated? Does the heating system work properly? Are there issues with old or hazardous electrical wiring? If you’re considering an older home or buying one without a legal warranty, it’s a good idea to hire a professional inspector to safeguard your investment. That’s where the experts at AmeriSpec can help.

The law does not require you to hire a home inspector. However, it’s important to exercise caution and diligence. Pay attention to any signs that suggest you should conduct a more thorough examination before making a purchase. No matter how much you know about the subject or how many friends or family members work in the field, nothing can substitute for the expertise and experience of a certified AmeriSpec inspector. They know exactly what to look for when evaluating the many components of a home. A pre-purchase inspector will carry out a comprehensive visual inspection of the property. Their role is to highlight any issues that could pose problems. After the inspection is complete, they will provide you with a report that will help protect your investment, enhance your understanding of how your home functions, eliminate any unexpected issues, and give you the peace of mind you deserve. Our detailed inspection report, delivered within 24 hours, will empower you to make a well-informed decision.

Here are the main reasons why over 100,000 buyers have chosen AmeriSpec to perform their home inspection in Quebec:

• All our inspectors have undergone comprehensive training recognized by the Department of Education and the OACIQ, and they stay updated throughout the year with our continuing education programs.

• We have over 30 years of experience in the residential inspection industry.

• We carry general liability insurance that covers professional errors and omissions.

• Our inspection reports are detailed and easy to understand.

• We have thousands of satisfied customers.

• We offer a free consultation (as long as you own the home) for any questions you may have about your property.

• Each AmeriSpec residential inspection includes a free residential inspection binder filled with practical resources.

• We provide offers from valuable partners.

WE ALSO OFFER:

• Home health checks.

• Vermiculite testing.

• Iron ochre testing.

• Radon testing.

• Air quality testing.

• Thermography.

• Water testing.

A home inspection with AmeriSpec provides you with peace of mind. Schedule your appointment today!

We are open 7 days a week from 8 a.m. to 9 p.m. to better serve you.

Living in a co-ownership in 2026 Everything you need to know before buying

1. UNDERSTANDING LIFE IN A CO-OWNERSHIP TODAY

Co-ownership is becoming increasingly popular among buyers, but it comes with its own set of rules and responsibilities. Before you fall in love with a beautifully designed condo, it’s essential to understand what co-ownership entails: Shared spaces, collective management, long-term maintenance, and, most importantly, communication between co-owners.

Tip: Co-ownership is similar to a shared rental for homeowners. While everyone maintains their privacy, a harmonious environment relies on respect and open dialogue.

2. CO-OWNERSHIP FEES: YOUR INVISIBLE INVESTMENT

Co-ownership fees fund building maintenance and set up contingency funds for future renovations. In 2026, modern managers are leveraging technology like shared online budgets, energy performance dashboards, and automated notifications. Knowing how these fees are calculated and managed ensures your financial security.

Make sure to keep an eye out for a well-stocked contingency fund, transparent financial statements, and professional management for peace of mind.

3. DIVIDED OR UNDIVIDED? TWO VERY DIFFERENT REALITIES

• Divided co-ownership: You are the sole owner of your unit and also own a share of the common areas.

• Undivided co-ownership: You share ownership with other co-owners, and decisions generally require consensus among all owners.

Your choice between these two options depends on your willingness to engage in joint management, your budget, and your long-term vision.

4. NEW TRENDS IN CO-OWNERSHIP IN 2026

• Hybrid spaces: Coworking room, gym, shared kitchen, and rooftop vegetable garden.

• Integrated technology: Apps for managing payments, making reservations, and sending maintenance alerts.

• Sustainability: Recycled materials, water recovery, and electric charging stations.

• Select community: Projects where shared values take precedence (families, entrepreneurs, active retirees).

5. BEFORE SIGNING: QUESTIONS TO ASK YOURSELF

• Does the syndicate have sufficient contingency funds?

• Are the rules and regulations compatible with my lifestyle?

• Am I allowed to rent out my unit, have a pet, or make renovations?

• Is the building well managed and properly maintained?

• Does my budget account for co-ownership fees?

6. THE ESSENTIAL ROLE OF THE CO-OWNERSHIP BROKER

A broker isn’t just a middleman; they’re your ally. They dig into documents, spot red flags like insufficient funds or unclear management, and help you find the project that really fits your lifestyle. Remember, buying a condo is about more than just the address—it’s about choosing the lifestyle that comes with it.

THE CONTINGENCY FUND: PLAN TO PROTECT BETTER

The contingency fund study is now required every five years. This study determines how much money the condominium should set aside for major repairs, helping to avoid unexpected emergency contributions. This financial discipline turns management into a genuine sustainability plan. A well-funded reserve contributes to a healthy condominium and protects the investment better.

SELF-INSURANCE FUNDS: ADDED SECURITY

Syndicates are now required to establish a self-insurance fund that covers the highest deductible, alongside civil liability insurance and replacement value coverage. This measure promotes greater collective resilience in the event of a disaster. By focusing on prevention rather than reaction, everyone benefits.

CERTIFICATE ATTESTING TO THE CONDITION OF THE IMMOVABLE HELD IN CO-OWNERSHIP OU ATTESTATION ON THE CONDITION OF THE CO-OWNERSHIP: GREATER TRANSPARENCY

• Include co-ownership fees in your mortgage pre-approval.

• Check the syndicate’s insurance and supplement it with personal insurance.

• Attend meetings: Your voice counts.

DON’T FORGET

LAWS 16 AND 141: A NEW ERA FOR CO-OWNERSHIP

With clearer rules and stronger management, there’s a renewed sense of peace of mind. Since Laws 16 and 141 took effect, the co-ownership scene in Quebec has changed quite a bit. Although some view these new provisions as restrictive, they actually give each building what it needs: A sustainable structure and a long-term vision. At the core of these laws is a simple idea: To protect co-owners and boost the value of their investments.

THE MAINTENANCE LOG: THE BUILDING’S HISTORY

Every co-ownership now needs to keep a maintenance log. This important document tracks the work that’s been done, the warranties, materials used, and any future maintenance that needs planning. It’s updated annually and reviewed every five years, becoming a living record of the building. A well-kept log builds confidence and makes resale easier.

Before any transaction, the syndicate must provide an official certificate detailing the financial and physical condition of the immovable. In just a few pages, this document gives buyers and sellers a clear overview, including information about available funds, planned work, insurance, and special contributions. This requirement fosters trust and facilitates smoother transactions. Transparency becomes the best marketing strategy.

DEADLINES TO MEET: 2028 IN SIGHT

Co-ownership syndicates have until August 14, 2028, to meet all the new requirements. However, those buildings that get a head start will benefit significantly, enjoying increased value, smoother management, and a stronger sense of trust among owners.

These reforms mark a real turning point. They call for not just better management but also a heightened collective awareness. We’re moving from a reactive to a proactive approach in condominium management, where every decision we make is aimed at protecting the value of our shared asset. What truly matters beyond numbers and regulations is quality of life and sustainable heritage.

Make your real estate purchase a reality Thanks to the HBP

Are you dreaming of becoming a homeowner but lack funds for a down payment? You can make this dream a reality with the HBP!

WHAT IS THE HBP?

The Home Buyers’ Plan (HBP) is a Canadian program that allows first-time homebuyers to withdraw up to $60,000 tax-free from their RRSPs to purchase a home they will occupy as their primary residence.

HBP TAX RULES

Here are the main terms and conditions of the HBP:

• A person is regarded as a “new homeowner” if neither they nor their spouse or common-law partner owned a home that served as their primary residence during the five calendar years prior to the date of withdrawal. In cases where a couple has been together for less than five years, it is possible for only one partner to qualify. For instance, if one spouse has previously owned a home in a former relationship, they will not be eligible.

• The home must be located in Canada and can be either new or used. It can be a house, condo, mobile home, or a unit in a duplex, triplex, or apartment building that you will occupy as your primary residence.

• To apply for a withdrawal, you must have entered into a written agreement, such as an accepted offer to purchase, for an eligible home you intend to buy or build.

• The home must be purchased and the notarized deed completed before October 1 of the year following the withdrawal of funds from the RRSP. For example, if the funds are withdrawn from the RRSP on December 10, 2025, the home purchase must be finalized at the notary’s office by October 1, 2026.

• When you contribute to your RRSP and plan to make a withdrawal, it’s important to leave the funds in the RRSP for at least 90 days to keep your tax deduction. This means that if you haven’t contributed to your RRSP for a few years, you now have the opportunity to catch up on missed contributions from previous years and fully deduct them in the year you make the contribution!

REFUND OF THE HBP

You might have to pay back any withdrawals you made from your RRSP. You can spread out the repayments evenly over 15 years. For example, if you took out $35,000, you’ll need to pay back $2,334 each year for 15 years, and there’s no interest on that. Every fall, the Canada Revenue Agency will let you know the minimum amount you need to repay. If you don’t repay at least that minimum, it will be added to your income. On the bright side, you can pay off the balance quicker if you want.

Also, you can use the Home Buyers’ Plan (HBP) more than once in your life, as long as you meet all the conditions each time and make sure to fully repay any amounts borrowed during the last HBP by December 31 of the year before you embark on a new HBP.

A FEW TIPS TO GET THE MOST OUT OF THE HBP

Take the time to accurately determine the maximum amount of your deductible RRSP contribution, which is stated on your federal notice of assessment.

You don’t have to claim your entire RRSP contribution as a tax deduction in the same year. If it’s beneficial, you can spread the deduction over multiple years. For instance, someone with an income of $38,000 in 2025 may contribute up to $60,000 to their RRSP, thanks to having a high balance of unused contributions from previous years.

If your total unused contributions from prior years amount to $58,000 and you have not yet reached $60,000 in your RRSP, you can make an excess contribution of $2,000. This excess amount will serve as an advance contribution to your RRSP, and you can deduct it in future years.

DON’T HAVE A DIME IN YOUR RRSP?

It doesn’t matter! You can still take advantage of the HBP as long as you earn (or have earned in recent years) an income that entitles you to contribute to an RRSP.

If you are able to contribute $60,000 to your RRSP but don’t currently have that amount available, consider asking your bank advisor for a 90-day loan to make the contribution. When you withdraw the funds from your RRSP, you can repay the loan immediately.

AN ARTICLE BY SARAH-MAUDE LE CORRE, ASSOCIATE NOTARY AT BLANCHARD LUPIEN NOTAIRES S.E.N.C.R.L.

The crucial role of a notary in real estate transactions

Although parties usually meet with the notary only once or twice during a real estate transaction, it’s a misconception to think their role is minimal. This is not true!

The notary plays a central role in the success and legal security of any transaction.

OBTAINING THE RELEVANT DOCUMENTS IN PREPARATION FOR THE TRANSACTION

Once the promise to purchase has been signed—a document in which the sellers agree to sell their property according to the terms outlined—the notary will open a file for the transaction.

They will then request several important documents: The signed promise to purchase, the seller’s declaration, the title deeds, the certificate of location, and, if applicable, the declaration of co-ownership. The notary will carefully analyze these documents to perform the necessary checks and ensure the legality and security of the transaction.

LEGAL CHECKS BY THE NOTARY AND EXAMINATION OF PROPERTY TITLES

The notary will conduct a thorough analysis of the seller’s declaration and the certificate of location to identify any irregularities or compliance issues with the property, such as encroachments or easements.

A crucial aspect of any real estate transaction is ensuring that the property has a clear title. This is where the expertise of a notary becomes essential. The notary conducts a thorough examination of the titles in the land registry to verify that the sellers are the legitimate owners of the property and have the authority to sell it. The title search also allows the notary to identify any encumbrances, mortgages, or easements that could affect the buyer’s rights or ownership.

A title search is essential for avoiding potential legal disputes in the future. For instance, if the notary finds out that the seller does not have the legal right to sell the property or discovers issues with the title, they will work with everyone involved to resolve these problems before the sale is finalized. If any issues arise, the notary will ensure that the situation is corrected before the sale (or afterward, if necessary). And if it turns out that some issues can’t be resolved, they might suggest getting title insurance.

TAXES AND ADJUSTMENTS

The notary will verify that all municipal and school taxes have been paid and are up to date. They will then calculate the necessary adjustments between the sellers and buyers based on the transaction date. This ensures that each party pays only their fair share of taxes and other amounts that need to be adjusted at the time of the sale. This process helps prevent disputes or litigation after the sale is completed. Specifically, these checks will ensure that the buyer is not held responsible for any taxes owed by the sellers, and that no liens or claims from the sellers’ creditors will be registered against the buyer’s new property.

SECURE MANAGEMENT OF FUNDS IN YOUR TRUST ACCOUNT

Before signing the deed of sale, the notary needs to make sure they have control of all the funds involved—like the down payment, mortgage loan, and any deposits, if needed. This step is crucial to protect everyone involved.

The notary will confirm that the funds are available and that they’ll be used solely for this transaction. These funds go into the notary’s trust account, a safeguard that’s run according to strict legal regulations. This setup gives everyone peace of mind, knowing the money is secure, will be used only for this purpose, and will be handed over to the right person at the right time.

DRAFTING AND SIGNING OF DEEDS

The notary will prepare the notarized deeds. The buyers will be called in to sign their mortgage first, followed by a meeting where all parties (buyers and sellers) will gather with the notary to sign the deed of sale.

During this meeting, the notary will:

• Verify the identity of all parties and their capacity to transact.

• Ensure that the deed accurately reflects their intentions.

• Clearly explain the scope and legal implications of the sale.

The notary will also make sure that both buyers and sellers fully understand their commitments before signing. This will include discussions about the condition of the property, legal guarantees, and any specific clauses related to the transaction.

PUBLICATION OF DEEDS AND REMOVAL OF SELLERS’ MORTGAGE

After the deeds are signed, the notary will file them in the land registry. This step is essential to make the sale and mortgage valid against all parties involved. The notary will also verify that no new entries have been recorded in the meantime (between the signing of the deeds and their filing in the land registry) that could jeopardize the transaction and hinder the buyers from securing a clear title to the property.

The notary will first reimburse the sellers’ mortgage lender and prepare the report for the buyers’ mortgage lender. They will then deliver the net balance of the sale price to the sellers. The notary will ensure that the sellers’ mortgage is properly discharged and will obtain the mortgage lender’s signature on a mortgage release deed.

AN IMPARTIAL AND PROTECTIVE ROLE

The notary plays an essential role that extends beyond technical duties. Acting as an impartial professional, their primary responsibility is to ensure the legal security of transactions and to protect the interests of all parties involved—sellers, buyers, and lenders. Their involvement significantly reduces the risk of disputes, allowing everyone to proceed with the transaction confidently.

In summary, the notary’s role is much more than merely signing documents. They manage every step of the transaction, which includes opening the file, verifying information, handling tax matters, safeguarding funds, and publishing deeds. Their presence offers the best assurance of a straightforward and secure transaction, free from unpleasant surprises. Whether you are a buyer or a seller, the notary serves as a neutral and diligent expert who provides clarity and confidence to all parties involved.

With their expertise and keen attention to detail, notaries simplify a complex process, turning it into a reassuring experience. To learn more about the steps involved in a real estate transaction, we invite you to visit our website at www. blanchardlupien.com, specifically the “Buyer’s and Seller’s Guide” available online.

www.blanchardlupien.com

Are you planning to move? You could benefit from significant tax savings 40 km program

A MOVE THAT PAYS OFF!

It is becoming increasingly common for individuals to relocate to a different municipality after securing a new job or being transferred (either voluntarily or involuntarily) to another location by their current or future employer.

For practical reasons, these individuals are likely to consider selling their homes to be closer to their new workplace. There may be some good news for them.

In fact, the commission paid to real estate brokers and all moving expenses could be fully deductible from the income earned at the new job!

LET’S TAKE A CLOSER LOOK AT THE APPLICABLE RULES...

Both federal and provincial tax laws allow individuals who change their place of residence in Canada due to a new job

or business location to deduct eligible moving expenses. This includes costs such as real estate broker fees. To qualify, the new residence—whether it’s a house, rented apartment, condo, etc.—must be at least 40 kilometers closer to the new place of employment, regardless of whether the job is full-time or part-time.

Many expenses are eligible for deduction; even notary fees and transfer duties for a new residence can be deducted when the old residence is sold and a new one is purchased!

A REAL GODSEND...

Please be aware that individuals who have moved in recent years and were eligible for certain deductions but did not claim them may request a retroactive refund from Canada Revenue Agency and Revenu Quebec. To qualify, the request must be made within 10 years of the move.

FINAL TECHNICAL POINTS

If you incurred expenses in any year following your move, you can deduct those expenses from your income for the year in which you paid them. Your deduction cannot exceed the amount of income you earned at your new job. However, you can carry over any unused portion to future years until your income at your new place of work allows you to take the deduction. It’s important to note that the move does not have to occur in the same year as your job change, but it must be made specifically because of the change in employment.

According to tax laws, the following moving expenses are eligible for deduction:

• Expenses associated with the sale of the former residence, including real estate broker fees, notary or attorney fees, and any penalties for the early repayment of the mortgage incurred at the time of sale. However, expenses for improvements made to the property to facilitate its sale and losses incurred during the sale do not qualify.

• Legal fees and transfer duties related to the purchase of the new residence are eligible, provided that the taxpayer or their spouse has sold or will sell the former residence due to the move.

• Costs related to the transportation and storage of furniture.

• Meal and temporary accommodation expenses, up to a maximum of 15 days, near either the old or new residence.

• Plus several other eligible expenses.

Expenses (other than those mentioned above) related to the purchase of a new residence are not deductible. The portion of expenses reimbursed by the employer is obviously not deductible. However, a favorable tax strategy can be established between the employer and the employee regarding which expenses the employer should prioritize for reimbursement.

Source RE/MAX QUÉBEC

BY BRYAN-ÉRIC LANE, ATTORNEY AT LANE, AVOCATS ET CONSEILLERS D’AFFAIRES INC.

What should you do if you discover

hidden defects?

You’ve just purchased a new property that you want to renovate in the coming weeks. As you dive into the renovations and start stripping the basement walls, you find mold, rotting materials, and signs of water infiltration. It’s starting to feel like there might be hidden defects. What should you do next?

Here is the procedure to follow if hidden defects are discovered in a building:

1. Stop all work immediately and take photos of any defects or damage you have discovered. Do not perform any corrective actions until further notice, as your seller needs to inspect the premises in their original condition when the defects or damage were found.

2. Report the defect to your seller in writing right away.

3. Allow your seller a reasonable amount of time to come and inspect the defects on-site and to address them.

4. Consult an expert to identify the cause of the damage and the nature of the defects. Request their opinion, ideally in a written report, outlining the nature of the defects and the damage they have caused.

Important: Also, ask them to provide their opinion on the applicable depreciation rate based on the age of the component affected by the defect and its useful life. Since the legal warranty of quality does not guarantee replacement value, the reduction in the sale price that a buyer is entitled to under this warranty does not automatically equal the cost of the required corrective work. The added value of replacing an old component, such as a French drain, must also be considered. Hence, it’s necessary to determine the applicable depreciation rate, if relevant.

5. Request a quote from a contractor to estimate the cost of the necessary corrective work to address the defects. This work should only focus on remedying the defects and the damage they have caused, without making any improvements to the property.

6. If you cannot reach an agreement with your seller after your initial complaint, send a formal notice requesting that they either carry out the necessary corrective work at their own expense or compensate you with an amount equivalent to the cost of the required repairs, accounting for any applicable depreciation. Be sure to provide your seller with a reasonable timeframe to comply. It’s important to note that failing to give formal notice before you proceed with the corrective work may jeopardize your ability to seek recourse. Please remember that the obligation to report the defect and the obligation to send formal notice to your seller are two distinct responsibilities with different purposes.

7. It is important to provide your seller with any information, details, or documents they reasonably require to analyze your claim. We recommend being cooperative and transparent with your seller to help them assess the merits of your claim, which is their right. Specifically, you should provide your seller with your expert report, any quotes and estimates you have obtained, and your pre-purchase inspection report. Eventually, you will need to share these documents with your seller, so it is advisable to do so as soon as possible.

8. You must notify the seller in writing about any new defects or any worsening of existing defects. This means the seller should be given a reasonable amount of time to inspect or assess the new or worsened defect.

9. If the seller does not respond to your formal notice within the reasonable period you provided, or if they deny liability and explicitly refuse to compensate you or perform the necessary corrective work, you may proceed with the corrective work. However, this should only be done after a reasonable period has elapsed since the seller received your formal notice.

10. If you cannot reach an agreement with your seller, you may pursue legal action against them. Please note that any legal action for hidden defects must be initiated within three years of discovering the defect; otherwise, your right to sue will expire.

The rules concerning hidden defects may seem straightforward at first, but they are actually numerous

and complex, with many pitfalls that can lead to automatic responses. If you suspect you have found hidden defects, it is advisable to consult a lawyer immediately before taking any action.

It’s also important to remember that over 90% of claims regarding hidden defects are settled out of court. A lawyer can provide you with wise counsel and a clear understanding of your rights and potential courses of action.

www.lanelegal.com

Duties on transfers of immovables

The move went smoothly, and you finally feel comfortable in your new home. While going through your mail, you notice a letter from the city informing you about a surprise: You are being asked to pay several thousand dollars in real estate transfer tax. What is this unexpected “welcome tax” and how was the amount determined? Here are some explanations.

OVERVIEW OF THE WELCOME TAX

Transfer duties are one-time taxes that new buyers of land or buildings must pay to the municipality, typically within three to six months after visiting the notary.

THE MYTH OF MINISTER BIENVENUE

For nearly twenty years, a common misconception was that the welcome tax was named in honor of Liberal minister Jean Bienvenue. However, in 2017, the journal Bulletin d’histoire politique clarified the facts. The Act respecting duties on transfers of immovables was enacted on December 23, 1976, by René Lévesque’s Parti Québécois government, while Jean Bienvenue was no longer in office, having been part of the Liberal government that was defeated five weeks earlier.

CALCULATION OF TRANSFER TAX

The real estate transfer tax that the purchaser must pay is calculated in two steps. First, you need to determine the tax base for this transfer tax. The tax base is the highest of the following three amounts:

• The purchase price paid for the acquisition of the building (excluding GST or QST).

• The consideration stated in the deed

of sale, which is the total sale price minus the value of any included furniture.

• The property’s value recorded on the assessment roll, adjusted by the comparative factor to reflect its actual market value.

Do not rely exclusively on the comparative factor shown on your tax bill, as it may differ from the one listed on the assessment roll. The tax bill reflects only the comparative factor established for the first fiscal year to which the roll applies, and this factor may be adjusted for subsequent fiscal years. Next, using the tax base established in the first step, the following calculation will be made for the year 2025.

Tax base portions 2025:

• 0.5% of the portion not exceeding $61,500.

• 1% of the portion exceeding $61,500 but not exceeding $307,800.

• 1.5% of the portion exceeding $307,800.

Municipalities may establish a rate exceeding 1.5% for any portion above $500,000 through bylaw. This rate cannot exceed 3%, except for the City of Montreal.

For the city of Montreal:

• 0.5% of the portion not exceeding $61,500.

• 1% of the portion exceeding $61,500 but not exceeding $307,800.

• 1.5% of the portion exceeding $307,800 but not exceeding $552,300.

• 2% of the portion exceeding $552,300 but not exceeding $1,104,700.

• 2.5% of the portion exceeding $1,104,700 but not exceeding $2,136,500.

• 3.5% of the portion exceeding $2,136,500 but not exceeding $3,113,000.

• 4% of the portion equal to or exceeding $3,113,000.

For Quebec City:

• 0.5% of the portion not exceeding $61,500.

• 1% of the portion exceeding $61,500 but not exceeding $307,800.

• 1.5% of the portion exceeding $307,800 but not exceeding $500,000.

• 2% of the portion exceeding $500,000 but not exceeding $1,000,000.

• 2.5% of the portion exceeding $1,000,000 but not exceeding $2,000,000.

• 3.0% of the portion exceeding $2,000,000.

RARE EXEMPTIONS

Some situations may be exempt from transfer duties, such as the transfer of real estate from one spouse to another or between certain members of the same family—grandparents, parents, and children, but not between siblings. Some municipalities also refund transfer duties to first-time buyers to attract families or encourage the development of older areas. Check with your notary to see if you are eligible for an exemption or refund. Lastly, even if you are buying a new property in the municipality where you currently live, the Act respecting duties on transfers of immovables on real estate will still apply. The city will be happy to welcome you once again!

Source: OACIQ

RE/MAX and its brokers play a vital role in their communities.

Proud to support Enfant Soleil for 38 years!

The network is deeply involved in various fundraising campaigns and is committed to a cause that truly matters: Sick children.

For 38 years, RE/MAX has been supporting Enfant Soleil, a nonprofit organization dedicated to raising funds for sick children in the province. Since we started this partnership,

we’ve managed to raise nearly $27 million to enhance pediatric care for all kids in Quebec.

This accomplishment fills us with pride, and we share it with our entire network—our staff, brokers, their families, and a community that continuously impresses us with its commitment and generosity.