First-time buyers · Island of Montreal
Buying your first condo in Montreal? Get up to $5,875 of your welcome tax back.
- A 30-minute call to set your budget and your timeline.
- Comparable sales and the building’s financials, read before you make an offer.
- Help at every step, from the first visit to the notary.
Free guide · 30 pages · PDF
Buying your first home in Quebec
Savings, pre-approval, FHSA, the offer, inspection, notary and the welcome tax, with real numbers.
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If it didn’t start, open the guide here. The next step is a 30-minute call about your budget, timeline and areas, with no obligation.
Book a 30-minute callHow we work together
Three steps before you make an offer
Discovery call
30 minutes on your budget, your timeline and the areas you are considering. You leave with a clear number for the cash you need at closing.
Pre-approval
I connect you with mortgage professionals I work with. You know your ceiling, and your rate is held while we search.
Research before the offer
For each property you like: comparable sales, the co-ownership’s financial statements, contingency fund and meeting minutes. If a building has a problem, I tell you to walk away.
What buyers say
In their words
For the purchase of my first home in Montreal, I was assisted by an incredible real estate agent. Delaram immediately understands what you’re looking for, accompanies you to every showing, remains available even late at night, and always finds solutions. You can tell she knows the process perfectly and that you’re in good hands.
Great experience with Delaram in finding the perfect home. She’s very professional and knowledgeable. Highly recommended.
She genuinely went above and beyond throughout the whole process. She was always available, quick to respond, and incredibly helpful whenever something came up. It made a stressful process a lot easier knowing I could rely on her.
Delaram was efficient and effective at selling my house. Pays attention to detail, is strategic, understands the market and what it takes to crystalize a fair transaction.
Ready to talk it through?
A 30-minute call, by phone or video. Bring your questions about budget, pre-approval and neighbourhoods.
Book a 30-minute callQuestions
What does a buyer’s broker cost me?
In most purchases, nothing out of pocket. My commission usually comes from the one the seller already pays their listing broker, and it is set out in writing before we start. If a property is sold without a broker, we agree on how I’m paid before any visit.
Do I need pre-approval first?
Not to start. We can talk before you apply. You do need it before we make an offer: it tells you your real ceiling and holds a rate while we search, usually for 90 to 120 days.
How does the welcome tax refund work?
For purchases from 2026, Quebec gives first-time buyers a refundable tax credit on the welcome tax (droits de mutation): 100% of the first $5,000, plus 25% of the next $3,500, up to $5,875. It shrinks above $750,000 and is zero at $1,000,000. You pay the city’s invoice first, then claim the credit from Revenu Québec. If you expect more than $1,000, you can ask for an advance payment. First-time buyer means neither you nor your spouse owned a home you lived in during the previous four years. On a $400,000 condo in Montreal the welcome tax is about $4,110, so it is fully covered.