What this page helps you estimate
Use this landing page to frame the calculation correctly: the purchase price drives the transfer duty, but rebates, municipal rules, and the rest of the closing budget determine whether the scenario really works.
Mortgage calculators
Quebec welcome tax calculator
Estimate Quebec property transfer duties before you make an offer. This page explains what the calculator covers and sends you directly to the comparison tool where the welcome tax is already built into each scenario.
The welcome tax is one of the first costs buyers underestimate. If you compare homes only on mortgage payment, you can miss a meaningful cash requirement at closing.
What you can review
- Estimate Quebec transfer duties from the purchase price
- Account for first-time buyer rebates or municipal adjustments
- Compare welcome tax alongside mortgage and monthly carrying costs
Why compare welcome tax with the mortgage
A property can look affordable on a monthly basis and still be awkward at closing if the transfer duty, legal fees, and down payment consume more cash than expected. MortgageComparator.ca keeps those pieces in the same comparison workflow.
Who this is for
This is most useful for Quebec buyers comparing multiple properties, down-payment levels, or neighborhoods where transfer duties and recurring costs may change the full purchase plan.
How to use it
- 1. Add the property price and property details.
- 2. Review the welcome tax result inside each purchase scenario.
- 3. Compare upfront cash and monthly carrying costs before shortlisting the property.
Frequently asked questions
Does the calculator replace municipal tax advice?
No. It is a planning tool for scenario comparison. Final amounts and eligibility for any rebate or adjustment should still be verified with the municipality and your closing professionals.
Why not look at welcome tax separately?
Because buyers do not fund it separately in real life. It competes with the down payment, inspection, legal fees, and other closing costs, so it should be compared inside the full purchase budget.
Can I use it for multiple properties?
Yes. The main comparison tool is designed for side-by-side purchase scenarios, which is where welcome-tax differences become more useful.