At the notary and handing over the keys

In Quebec, the notary is essential to transfer the property. They make sure the sale is valid and the money moves correctly.

What the notary does

• Checks that you are the owner, and whether someone, a spouse for example, must consent to the sale.
• Checks the land, servitudes and rights of way.
• Prepares the deed of sale and the documents to sign.
• Repays your mortgage with the sale proceeds and obtains the discharge.
• Prepares the statement of adjustments: taxes and other amounts prorated to the transfer date.
• Registers the deed in the land register and pays you your net proceeds.

Who pays what

Generally, the buyer chooses the notary and pays for the deed of sale. Some costs are yours: the discharge of your mortgage and its registration, tax statements, the condo charges statement, wire transfers. Ask for the list before the signing.

Handing over the keys and occupancy

Signing day

The notary reads the deed, answers your questions, then you sign. If you're buying again, you'll go back to the notary for your purchase, sometimes the same day. Ask in advance when you'll receive your net proceeds.

Documents to bring

• Valid identification
• The certificate of location
• The seller's declaration
• The deed of purchase and the deed of hypothec
• The declaration of co-ownership, if applicable
• Tax, electricity, water and gas bills
• Renovation invoices

Staying after the sale?

If you need to stay a few days after the signing, provide for it in the promise to purchase: key handover date and occupancy fee payable to the buyer. A sum may also be held back at the notary's office until you leave.

A smooth handover

Offer the new owners a short tour: electrical panel, pool, well, water softener, heat pump. Hand over keys, remotes and manuals.