Mortgage broker in Saint-Lin–Laurentides

First home, young family, a project on the horizon: I help you buy in Saint-Lin–Laurentides and the surrounding towns, at no cost to you.

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Soon to be my home too

I'm moving to Saint-Lin–Laurentides in the coming months. So this won't be one more area on a map: it will be home.

I work mostly with first-time buyers and families. Borrowing capacity, down payment, welcome tax: we go through all of it together, at your pace, and no question is a silly one.

A town that's growing fast

Saint-Lin–Laurentides grew from 20,786 residents in 2016 to 24,030 in 2021, up 15.6% in five years (Statistics Canada, 2021 census). The town now counts more than 25,000, and many newcomers are buying their first home there.

The welcome tax in Saint-Lin–Laurentides

The town uses the provincial 2026 brackets, plus a 3% rate on the portion above $500,000. It's calculated on the higher of the price paid and the municipal assessment multiplied by 1.05 (the 2026 factor).

2026 brackets

$0 – $62,900 0.5%
$62,900 – $315,000 1%
$315,000 – $500,000 1.5%
Over $500,000 3%

First-time buyer? Quebec refunds most of it

Since January 1, 2026, a refundable tax credit covers 100% of the first $5,000 of welcome tax, plus 25% of the next $3,500, up to $5,875. It shrinks above $750,000 and disappears at $1,000,000.

Two examples in Saint-Lin–Laurentides

$400,000$550,000
Welcome tax$4,110.50$7,110.50
First-time buyer refund− $4,110.50− $5,527.63
What it costs you$0.00$1,582.87

Assuming the price paid is above the municipal assessment × 1.05 and you qualify for the credit. Every file gets checked.

Calculate my welcome tax

And for the down payment

The FHSA (up to $8,000 a year) and the HBP (up to $60,000 per person) stack to build your down payment. As a couple, both double.

All the first-time buyer programs

How we'll do it

We talk

30 minutes, free and with no commitment: where you stand, what you can aim for, and what comes next.

I shop for you

I compare offers from more than 15 lenders and get you pre-approved.

Through to the keys

I handle your financing file all the way to signing at the notary.

I also serve the surrounding towns

  • Sainte-Julienne
  • Saint-Calixte
  • Saint-Roch-de-l'Achigan
  • Saint-Esprit
  • Sainte-Anne-des-Plaines
  • La Plaine (Terrebonne)
  • Joliette

Common questions

The town sends you the bill after the sale, and you have until the 31st day after it's sent to pay it. Budget for it even if you qualify for the refund: Quebec refunds it once you've paid.

Yes if, during the year you buy and the four previous calendar years, you didn't live in a home owned by you or your spouse. The home must become your principal residence. We'll confirm your situation together.

Yes. Houses, semi-detached and row houses, condos, duplexes and triplexes all qualify. For a home you're having built, it counts as acquired on the day it becomes livable.

No. For one property, the total can't exceed what a single person would get: you share it between you.

Thinking of buying in Saint-Lin–Laurentides?

Let's talk. We start from where you are, even if it's the very beginning.

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