Buyer's Guide

Everything you need to know before buying a property. This guide provides essential information to help you understand the process, avoid common pitfalls, and make informed decisions — so your real estate journey unfolds with confidence.

What You Should Know About Buying a Home

The Organisme d’autoréglementation du courtage immobilier du Québec (OACIQ) has created this guide to support you throughout your residential property buying journey.

It outlines the key steps to follow before and during the acquisition process, while offering practical tips to help you complete your real estate transaction with peace of mind.

While this guide serves as a helpful reference tool, it does not replace personalized advice from a real estate broker or a professional agency specializing in real estate or mortgage financing.
Its content focuses primarily on the purchase of residential properties. Some topics related to co-ownership or undivided properties are covered, but the guide is not intended to be exhaustive.

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Buying a Property, Step by Step

Ready to purchase a property? Whether it's your first time or not, it’s essential to be well-informed and understand each stage of the process. Careful preparation allows you to make informed decisions and carry out your real estate project with confidence.

Before: How to Prepare Yourself

The first step is to clearly identify your needs and priorities. This allows me to support you in finding a property that fits your budget, matches your borrowing capacity, and aligns with your long-term goals. Thoughtful preparation from the start greatly simplifies the process and increases your chances of success.

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During: You Are Interested in a Property

Have you found a property that stands out? That’s when I draft a purchase offer (promise to purchase). By signing it, you commit to buying the property under the agreed-upon conditions and price. If the seller accepts, they also commit to selling it to you, usually under specific conditions — such as securing financing or completing an inspection. This step formalizes your intention to buy while offering protection throughout the pre-transaction process.

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After: Steps After the Promise to Purchase

Once the offer is accepted, it's crucial to ensure that all conditions are met — including the pre-purchase inspection, receipt of all relevant property documents, and approval of your mortgage financing. Finally, the deed of sale will be signed at the notary’s office, officially completing the transaction and allowing you to take possession of your new property. This final step marks the realization of your real estate project and the beginning of a new chapter.

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Looking to buy? Don't navigate in this market alone.

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