#1 in Canada · #1 in Quebec — Royal LePage 2024-2025
Buy better..
Before everyone else. With the right numbers. Our team #1 in Canada — Royal LePage 2024-2025 alerts you first as soon as a new listing matches your criteria, and uses the Tardif Index to tell you whether it’s the right time to buy in your area. Complete 7-step guide, free buyer support.
- Priority alerts — Be among the first to hear about new listings
- 100% free for buyers — Fees paid by the seller, never by you
- Data-driven decisions — Analysis via the Tardif Index and real-time Centris data
- From pre-approval to the notary signing — Complete 7-step support
Quick calculator
Mortgage
Down payment
Max budget
Estimated monthly payment
2 218$/mois
Indicative estimate. Consult a mortgage broker for an accurate calculation.
Buying with Endurance Real Estate Group by Tardif means working with the real estate team #1 in Canada and #1 in Quebec — Royal LePage, team 2024-2025. Buyer service is completely free (fees paid by the seller) and includes access to the Qualified Buyers program — priority alerts for new listings that match your criteria. Our brokers use the Tardif Index to assess market pressure by area and advise you at the right time. Coverage: Montreal, Laval, South Shore, and all of Greater Montreal.
Why Endurance
What you gain by choosing an Endurance broker
Hyper-local knowledge
Every Endurance broker knows their area inside out — streets, schools, micro-markets, development projects. Our brokers know market conditions by neighbourhood thanks to the Tardif Index — Endurance’s proprietary weekly indicator. Local expertise paired with market analysis that Google can’t replace.
Priority alerts
Thanks to our Qualified Buyers program, you are alerted first as soon as a new listing matches your criteria. A real competitive advantage.
Your interests protected
Your broker represents you and defends your interests — not the seller’s. Market value analysis, negotiation, protective conditions in the promise to purchase.
100% free for buyers
Your Endurance broker’s fees are paid by the seller, never by you. You benefit from a team ranked #1 in Canada and #1 in Quebec — Royal LePage, team 2024-2025, with no direct cost.
Turnkey support
From the first visit to signing at the notary, your broker coordinates everything — inspector, notary, financial institution. All you have to do is choose your home.
Education and transparency
Your broker explains every step, every document, every decision. You buy understanding what you sign — not just by following the process.
The complete process
Buying in Montreal in 7 steps
01
Mortgage pre-approval
Before you start visiting
Before visiting a single property, obtain a mortgage pre-approval letter. It confirms your true borrowing capacity, helps you avoid disappointment, and positions you as a serious buyer — especially important in a competitive market where multiple offers are common.
- Meet with your bank OR a mortgage broker — both options are valid
- Pre-approval is free and non-binding
- Also calculate your closing costs (an additional 3–5% of the purchase price)
02
Choose your priority areas
Market data included
Define your neighbourhood criteria with your Endurance broker: distance to work, school quality, access to transit, lifestyle, and appreciation potential. Your broker shares real market data by area — median prices, days on market, trends.
- Visit neighbourhoods at different times of day
- Check our Neighbourhoods section for current market data
- Be flexible on 1–2 areas for more opportunities
03
Targeted visits with your broker
Priority alerts included
Your Endurance broker pre-screens properties that precisely match your criteria — you don’t waste time on unnecessary visits. As a member of the Qualified Buyers program, you are alerted first as soon as a new listing matches your criteria.
- Ask questions about history, renovations, and bills
- Your broker identifies red flags during the visit
- Join our program for priority alerts
04
Promise to purchase and negotiation
Your broker negotiates for you
Once the ideal property is found, your broker performs a comparative analysis to establish the true market value and advises you on the price to offer. They draft the promise to purchase with the necessary protective conditions (inspection, financing) and negotiate on your behalf.
- The inspection condition protects you if issues are discovered
- The financing condition protects you if your loan is not approved
- Your deposit (typically 5–10%) is held in trust
05
Pre-purchase inspection
Strongly recommended
A certified building inspector assesses the property’s overall condition: foundation, roof, plumbing, electrical, insulation, windows. Your Endurance broker recommends trusted inspectors. The results may allow you to renegotiate or withdraw without penalty.
- Budget $500 to $800 for a standard inspection
- Attend the inspection — the inspector explains everything live
- Minor issues are normal — focus on the major ones
06
Finalizing financing
Coordinated by your broker
After the promise to purchase is accepted, your financial institution completes the official appraisal and confirms the final mortgage loan. Your Endurance broker coordinates timelines with all parties so nothing falls through the cracks.
- Do not make any major changes to your credit during this period
- Prepare requested documents quickly
- Your broker will remind you of every deadline to meet
07
Signing at the notary
Welcome home
Signing the deed of sale at the notary officially finalizes the transaction. The notary verifies title, prepares legal documents, and completes the transfer of ownership. Your Endurance broker coordinates with the notary to ensure everything is ready on time.
- Bring your ID and the balance of your down payment
- Read all documents — your broker is there to answer
- You receive the keys on signing day — congratulations!
What type of property?
Find the right type for your profile
Condo / Apartment
$300,000 — $800,000
Ideal for first-time buyers and professionals. Minimal maintenance, often well located.
Single-family home
$500,000 — $1.5M+
For families looking for space, a yard, and peace and quiet. Suburbs and residential neighbourhoods.
Duplex / Triplex
$450,000 — $1.2M
Ideal to live in and generate income. One unit significantly reduces your mortgage.
4+ Plex / Investment
$700,000 — $3M+
For investors. Cap rate, rental income, and appreciation potential analyzed by our experts.
Our proprietary indicator
The Late Index
29/100
Tardif Index — July 2026
Area: Light buyer's market
The pulse of Montreal Island's residential market
Every month, David Tardif publishes a residential market tension score out of 100 for Montreal Island, backed by weekly bulletins. Public methodology, Centris sources, full transparency.
Composition: 40% SNLR · 30% expiration ratio · 30% YoY momentum
Consult the Tardif IndexFinancial tools
Complete mortgage calculator
Purchase settings
Results
Monthly payment
2 661$/mois
Total intérêts sur 25 ans : 318 300 $
Mortgage amount
480 000 $
Down payment (%)
20,0 %
Land transfer tax
8 500 $
Estimated total costs
11 150 $
Calculations are provided for informational purposes only. They do not constitute financial or mortgage advice. Land transfer tax is calculated based on the City of Montréal’s 2025 rate schedule. Consult a licensed mortgage broker for your personal situation.
Access properties
before everyone else
Join the Endurance Qualified Buyers program and be alerted as soon as a property matching your criteria is published. Our 26+ active qualified buyers right now receive a priority alert as soon as it goes live each week.
Frequently Asked Questions
Everything you need to know before buying
What are the steps to buy a property in Montreal?
Buying in Montreal involves 7 steps: 1) Mortgage pre-approval, 2) Define your target areas, 3) Targeted visits with your broker, 4) Promise to purchase and negotiation, 5) Pre-purchase inspection, 6) Finalizing financing, 7) Signing at the notary. Your Endurance broker supports you at every step.How much down payment do you need to buy in Montreal?
The minimum down payment is 5% for properties of $500,000 and under. For properties between $500,000 and $999,999, it is 5% on the first $500,000 and 10% on the remainder. Above $1,000,000, the minimum down payment is 20%. With less than 20%, CMHC mortgage insurance applies.
What is the broker’s role for the buyer — and is it free?
Your Endurance broker represents you and defends your interests — they find properties matching your criteria, analyze market value, negotiate the promise to purchase, and coordinate everything through to signing. Their fees are paid by the seller. For you, it’s free.How can I be alerted first about new listings?
By joining our Qualified Buyers program, you are informed first as soon as a new listing matches your criteria. Your broker presents these opportunities as soon as they match your criteria — budget, area, property type.
What costs should I plan for in addition to the purchase price?
Plan for about 3–5% of the purchase price in additional costs: land transfer duties (welcome tax, about 1.5–2% of the value), notary fees ($1,000 to $2,500), pre-purchase inspection ($500 to $800), and home insurance. Our calculator above estimates land transfer duties automatically.Is a pre-purchase inspection mandatory?
No, not legally. But it is strongly recommended — it can reveal major issues (foundation, roof, plumbing, electrical) that affect your decision or the final price. Your Endurance broker recommends trusted certified inspectors in your area.
Is it a good time to buy in Montreal in 2026?
The Montreal market in 2026 offers good opportunities depending on your profile. Interest rates have been trending down since 2024, improving affordability. Some areas (Verdun, Hochelaga, Montréal-Nord) still offer strong relative value. Your Endurance broker can provide a personalized analysis based on your budget and goals.
What is the best neighbourhood to buy in Montreal in 2026?
Rosemont–La Petite-Patrie, Villeray, and Verdun offer the best value for money in 2026. Plateau-Mont-Royal and Outremont remain premium areas. Our Endurance brokers advise you based on your budget and criteria.
Which areas does Endurance Real Estate Group cover in Montreal?
All Montreal boroughs: Plateau, Rosemont, Villeray, Outremont, NDG, Verdun, Saint-Laurent, Laval, the South Shore (Longueuil, Brossard, Saint-Bruno), and the entire Greater Montreal metropolitan area.
Ready to get started?
Your next home starts with a conversation..
Speak with an Endurance broker. No pressure, no obligation. We understand your project, explain the market in your area, and plan the next steps together.
- Your broker is paid by the seller — no fees for you
- Instant alerts on new listings
- Response within 24 hours
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