Greater Montreal · Quebec

Physician mortgages in Laval.

Laval is Montreal's large northern suburb with Quebec tax treatment and family-friendly housing. The welcome tax and notary closing differ from Ontario.

Laval in short

Laval physicians pay the Quebec welcome tax (droit de mutation) on a bracketed scale, roughly $5,800 on a $625K home, and close through a notary. As Montreal's major northern suburb, Laval offers family housing with strong access to the Montreal hospital network.

~$5,800
Welcome tax on a $625K home
Quebec droit de mutation
Notary
Quebec closing process
Closes through a notary, not a lawyer
5-10%
Physician program down payment
Owner-occupied principal residence
01

The Laval physician market.

Laval is Montreal's large northern suburb, offering family-friendly housing with quick access to the Montreal teaching hospital network. Quebec tax treatment applies: the welcome tax on a bracketed scale and a notary-based closing rather than the Ontario land transfer tax and lawyer model.

Market (as of)Early 2026
ConditionBalanced
Approx. priceRoughly $560K-$650K all types

A family-oriented Montreal suburb with detached and semi-detached housing and quick access to Montreal teaching hospitals.

02

Closing costs: quebec welcome tax (droit de mutation).

Quebec welcome tax (droit de mutation)
Quebec charges a municipal transfer duty known as the welcome tax (droit de mutation) on a bracketed scale: 0.5% on the first ~$58,900, 1.0% to ~$294,600, and 1.5% above, with some municipalities adding higher brackets on luxury values. On a $625,000 Laval home that is roughly $5,800. Quebec purchases close through a notary.
03

Why Laval physicians use a specialist.

  • Family-oriented housing with strong access to Montreal teaching hospitals.
  • Quebec welcome tax instead of Ontario land transfer tax, on a bracketed scale.
  • Quebec purchases close through a notary rather than a lawyer.
  • Projected-income and corporate-income qualification apply across Quebec.
04

Teaching hospitals in Laval.

We work with physicians across Laval’s teaching network, from residents and fellows to attending and incorporated staff.

Hopital de la Cite-de-la-Sante (CISSS de Laval)
FAQ

Laval physician mortgage questions.

What is the welcome tax in Laval?01

Quebec charges a municipal transfer duty called the welcome tax (droit de mutation) on a bracketed scale. On a $625,000 Laval home it is roughly $5,800, and the purchase closes through a notary rather than a lawyer.

Is Laval a good market for Montreal physicians?02

Yes. Laval offers family-friendly housing with quick access to the Montreal teaching hospital network, under Quebec tax treatment.

Nearby markets
Montreal Gatineau

Prices and payment examples are estimates for planning only. Your actual numbers depend on income, down payment, debt, credit, location, and current lender pricing.

Laval physicians

A Laval mortgage, structured around your medical career.

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