Guides — Quebec real estate taxation
Clear, up-to-date and sourced explanations to help you decide with confidence.
Buying and financing · 7
Down Payment for a Rental Property in Canada: The Owner-Occupied Advantage
How much down payment you need for a duplex, triplex or fourplex in Canada in 2026: owner-occupied vs investor rules, closing costs, and how to qualify.
Duplex vs Triplex vs Fourplex: Which to Choose as an Owner-Occupant?
Duplex, triplex or fourplex as an owner-occupant: down payment, income, management and financing compared to choose your first plex in 2026.
Down Payment for a Plex in Canada: The 2026 Rules by Property Type
Down payment for a duplex, triplex or fourplex in 2026: 5-10% owner-occupied, 20% for a pure rental. CMHC insurance and the price cap explained.
Using Your FHSA to Buy a Plex (Owner-Occupied)
Can you use an FHSA to buy a plex? Yes, if you live in one unit as your principal residence. 2026 limits, eligibility, and the double tax advantage.
Borrowing Power and the B-20 Stress Test: How Much Can You Finance in 2026
How much can you finance on a rental property? The B-20 stress test, qualifying rate, GDS 39% and TDS 44% ratios, and rental income treatment. 2026 guide.
Mortgage Insurance Premium: What CMHC Coverage Costs in 2026
Mortgage loan insurance premium (CMHC, Sagen, Canada Guaranty) in 2026: 0.60% to 4% of the loan by down payment, Quebec QST, worked examples.
CMHC MLI Select: Multi-Unit Financing for 5+ Units
MLI Select (CMHC) finances up to 95% of a 5+ unit rental over 50 years with a reduced premium. How the points, tiers and 2026 conditions work.
Taxes and closing costs · 7
Quebec Welcome Tax 2026: How Transfer Duties Really Work
How Quebec's welcome tax (droits de mutation) works in 2026: tax base, brackets, the Montreal surtax, when you pay, and how it lowers your future capital gain.
Quebec Welcome Tax by City: What Changes From One City to the Next
Quebec welcome tax by city 2026: provincial scale everywhere, then higher tiers in Laval, Longueuil, Gatineau, Brossard, Quebec City, Saguenay and others.
Ontario Land Transfer Tax in 2026: Rates, the Toronto MLTT, and How Much You'll Actually Pay
How Ontario land transfer tax works in 2026: provincial brackets, the Toronto MLTT that doubles it, first-time buyer rebates, and a worked example.
BC Property Transfer Tax 2026: What You Actually Pay
How BC's Property Transfer Tax works in 2026: 1/2/3/5% brackets, the first-time buyer exemption, when you pay, and how it affects your capital gain.
Alberta Land Transfer Tax: The Good News Is There Isn't One
Alberta has no land transfer tax — only small Land Titles registration fees. Here is what you actually pay at closing and why it is an investor advantage.
Non-Resident Buyer Tax in Canada: Ontario NRST and BC's Additional Tax
Buying in Canada as a non-resident: Ontario's NRST (25%) and BC's additional tax (20%) add to land transfer duties. 2026 rules by province.
GST and QST on a New Rental Property in Quebec (2026)
GST/QST on a new rental property in Quebec: 5% + 9.975%, the PBRH rebate of 100% of the GST on 4+ unit rentals, and self-supply. 2026 guide.
Taxes: holding and selling · 8
Rental Income Tax in Canada: How It's Reported
How rental income is taxed in Canada: the T776 and Quebec TP-128, net income, deductible losses, CCA and your marginal rate. 2026 guide.
Deductible Rental Expenses in Canada: Current vs Capital
Current vs capital expenses on a rental property: what you deduct in the year, what is added to cost and written off through CCA. 2026 rules.
Quebec School Tax: How It's Calculated (and What Changes for a Plex)
Quebec's single school tax rate for 2026-2027, the calculation, and the $25,000 exemption per property — explained for a plex or rental building.
Smith Manoeuvre in Québec: Making Your Mortgage Interest Deductible
Smith Manoeuvre in Québec 2026: convert your mortgage into deductible debt, the 65% cap, cash damming rental expenses, and the Québec tax trap.
CCA Recapture: The Rental Tax Trap Most Investors Forget
Capital cost allowance cuts your tax now, but CCA recapture claws it back at 100% when you sell. How depreciation, UCC and recapture work across Canada in 2026.
Capital Gains Tax on a Rental Property in Canada (2026): The Numbers That Actually Matter
How capital gains tax on a rental property works in Canada in 2026: the 50% inclusion rate, adjusted cost base, CCA recapture, and the 365-day flip rule.
Property Flipping Tax in Canada: The Anti-Flip Rule and BC's Tax
Selling fast is costly: the federal anti-flipping rule (< 365 days → 100% business income) and the BC Home Flipping Tax (< 730 days, up to 20%). 2026 rules.
Should You Incorporate Your Rental Property in Canada?
Incorporating rental real estate in Canada in 2026: why passive-income tax integration usually erases the tax advantage, and when protection and estate goals justify it.
Rents and short-term rentals · 5
Quebec Rent Increase 2026: How the TAL Method Works
Quebec's 2026 rent increase: the 3.1% base rate, three-year CPI method, taxes, insurance, major work, notice deadlines and Clause F.
Airbnb vs Long-Term Rental in Quebec: Rules and the Real Math
Quebec's short-term rental rules in 2026: mandatory CITQ registration, municipal authorization, the 31-day definition, fines, and how the numbers really compare.
Airbnb vs Long-Term Rental in Ontario: Rules and the Real Math
Ontario short-term rental rules in 2026: Toronto's principal-residence requirement, registration (~$390/yr), the 180-night cap, and how the numbers compare.
Airbnb vs Long-Term Rental in BC: Rules and the Real Math
BC short-term rental rules in 2026: provincial registration, the principal-residence requirement in communities over 10,000, the 90-day definition, and the real math.
Airbnb vs Long-Term Rental in Alberta: Rules and the Real Math
Alberta short-term rental rules in 2026: no provincial law, municipal licensing in Calgary and Edmonton, condo bylaws, and how the numbers compare.
Rental management and leases · 4
Managing a Residential Lease in Quebec: What Landlords Must Know
Quebec's mandatory lease in 2026: the TAL form, Section G, must-have mentions, annexes and signing. A clear guide for landlords.
Repossessing a Dwelling in Quebec: Deadlines, Conditions and Recourse
Repossession of a dwelling in Quebec 2026: who can repossess (not a company), notice deadlines, tenant refusal, compensation, senior protection.
Lease Assignment and Subletting in Quebec: What Changed
Lease assignment vs subletting in Quebec: since Law 31, a landlord can refuse an assignment even without a serious reason. Deadlines and effects.
Unpaid Rent in Quebec: A Landlord's Recourse
Late or unpaid rent in Quebec: from 3 weeks late, lease termination can be sought at the TAL. Right to remedy, deadlines and 2026 process.
Brokerage and compliance · 3
Real Estate Broker Records and Registers: What the Law Requires
What the Real Estate Brokerage Act requires: a Quebec real estate broker's mandatory records and registers, retention, and annual filing with the OACIQ.
Mortgage Brokers in Quebec: AMF Oversight
Since May 2020, mortgage brokerage in Quebec is regulated by the AMF (LDPSF): registration, licence, client file and disclosure of compensation.
Law 25 and Client Data: What Every Broker Must Know
Law 25 for brokers in Quebec: the privacy officer, obligations in force in 2026, and handling sensitive client data across the file.
Profitability and strategies · 3
Cap Rate for Canadian Rentals: How to Calculate and Read It
The capitalization rate (cap rate, "TGA" in Quebec) measures a rental's return before financing: formula, worked example, and how it differs from the GRM. 2026 guide.
The BRRRR Strategy in Canada: Build a Portfolio Without Locking Up Your Capital
Buy, Rehab, Rent, Refinance, Repeat — adapted to Canada: the 80% refinance cap, ARV, the 75% rule, tax treatment, and the mistakes that trap your capital.
Building a Plex in Quebec: Rent It Out or Sell It — It Changes Everything
Land + construction in Quebec: cost items, the GST/QST self-supply trap at first lease, and why renting out vs selling changes the entire tax picture.
Local rental markets · 2
Quebec City Rental Market: Average Rents and Vacancy Rate
Average rent in Quebec City by unit size and vacancy rate (October 2025 survey): a benchmark for evaluating a rental property.
Gatineau Rental Market: Average Rents and Vacancy Rate
Average rent in Gatineau by unit size and vacancy rate (October 2025 survey): a benchmark for evaluating a rental property.
From the guide to the decision
The guides explain the rules; the copilot applies them to your property: a clear verdict — buy, negotiate or avoid —, maximum purchase price, after-tax analysis and a 10-year projection.