Purchase

Chronicles

39 Articles

11/02/2026

Title insurance in co-ownership: protection often underestimated… especially in a cash purchase

When purchasing a divided co-ownership property, many buyers mistakenly believe that the notary’s work and the delivery of documents are sufficient to guarantee a risk-free, complete, and fully secure transaction. Yet, even in a well-regulated context such as co-ownership, certain irregularities may persist and only come to light after the transaction. Title defects, encroachments, or unpublished charges may, in particular, escape the initial review. This is precisely where title insurance becomes truly meaningful....

Purchase

13/01/2026

Preparing the sale of a condo in Montréal: décor that appeals to buyers

In Montréal, the condo market is competitive. Buyers visit several units in a short period of time and rely heavily on their first impression and their sense of well-being. Décor and property enhancement (home staging) therefore play a key role in selling faster — and often at a better price. Here is a practical column to understand how to prepare a condo for sale from a décor perspective, and what Montréal buyers are really looking…...

Purchase

04/12/2025

Fees for the co-ownership certificate: why does the bill surprise so many people?

For some time now, the co-ownership certificate has been sparking a lot of discussion in the real estate community. As a real estate broker, it is our duty to properly inform the seller about the listing fees for their property. Many of my sellers wonder why this document is so expensive and, especially, whether it should not be included in the condo fees. To understand this clearly, we must look at what this certificate is…...

Purchase

13/11/2025

Condo Ownership in 2025: Still a smart investment?

A market in transition, but still strong Since 2020, Quebec’s real estate market has weathered many storms: a pandemic, soaring prices, and rapid interest rate hikes. After this turbulent period, 2025 marks the return of a more thoughtful and balanced market. In this more stable context, the condo stands out. For many buyers, it remains the ideal gateway to ownership: more affordable than a single-family home, easier to maintain, and centrally located in safe environments.…...

Purchase

05/09/2025

Preparing your condo for sale: the art of the first impression

When putting your condo up for sale, first impressions are often decisive. In a market where buyers compare multiple properties online before even booking a viewing, photos become your calling card. A well-prepared condo stands out, attracts more buyers, and can even sell faster... and for a better price....

Purchase

13/08/2025

A structural reform to benefit co-ownership buyers

As of August 14, 2025, a new regulation implementing Bill 16 (adopted in 2019, supplemented in 2024 by Bill 31) will come into effect, strictly regulating divided co-ownerships. It introduces three major requirements: the maintenance log, the study of the contingency fund, and the syndicate's certification. These tools strengthen transparency, proactive management, and financial protection for Quebec buyers and co-owners....

Purchase

21/07/2025

Certificate attesting to the condition of the co-ownership and real estate transaction

As buying a property is the biggest financial investment that many people will make, they need to be well informed when making such a major decision. For the buyer to be sure that they are making the right choice, it's essential that they have certain information about the co-ownership at the time of the transaction. Bill 16, which was passed in December 2019, includes an important measure to help buyers make the right decision.  Article…...

Purchase

18/07/2025

Protection of personal information held by the co-ownership

The protection of personal information is becoming increasingly important in Québec, especially since the adoption of the Act to modernize legislative provisions as regards the protection of personal information (commonly known as Law 25), which primarily amends the Act respecting the protection of personal information in the private sector (hereinafter “the ARPPIPS”).  This update also affects syndicates of co-owners, which are now subject to strict obligations regarding the collection, storage and destruction of personal information. ...

Purchase

14/07/2025

Condo insurance in Québec: what every co-owner and potential buyer needs to know

Divided co-ownership, an increasingly popular form of property ownership in Québec, is based on a specific legal structure that comes with rights and responsibilities for both the co-owners and syndicates of co-owners. Among these responsibilities are the critically important, but often overlooked, obligations related to insurance coverage. Both the syndicates and individual co-owners are required to carry specific insurance coverage to comply with the law and protect themselves against various risks, such as water damage…...

Purchase

11/07/2025

The pre-purchase condo inspection: a critical and often underestimated step

A real estate transaction for a condo purchase involves several steps, yet one of the most important ones is still too often overlooked by buyers: the pre-purchase inspection. This inspection is an essential tool for protecting buyers and preventing disputes....

Purchase