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Town of Mount Royal: grants, programs and welcome tax
Municipal grants, the welcome tax and the federal and provincial programs that apply in Town of Mount Royal.
Verified on 11 October 2026
Welcome tax (property transfer duties)
| $0 – $62,900 | 0.5 % |
| $62,900 – $315,000 | 1 % |
| $315,000 – $630,100 | 1.5 % |
| $630,100 – $1,260,300 | 2 % |
| $1,260,300 – $2,437,200 | 2.5 % |
| Over $2,437,200 | 3 % |
Rates as of October 2026, for information only; checked every January.
Rates published by the city — Official site ↗ · Calculate the welcome tax →
First-time buyers: up to $5,875 in welcome tax refundedSince January 1, 2026, Quebec refunds up to $5,875 in property transfer duties to first-time buyers. To receive an advance payment for a 2026 purchase, you must apply in My Account no later than December 1, 2026. The credit is reduced when the property’s value exceeds $750,000 and is zero at $1,000,000.
A separate town from Montreal: City of Montreal programs (RénoPlex, etc.) do not apply.
Municipal programs
To be confirmed
Resilient Properties Program (flooding)
- Who it’s for
- Properties eligible under the Town’s criteria.
- Assistance
- To be confirmed with the Town.
- Conditions
- Online registration, inspection by a firm hired by the Town.
Available everywhere in Québec
Federal Open
First-Time Home Buyers’ GST Rebate (new homes)
- Who it’s for
- First-time buyers of a new or substantially renovated home that will be their principal residence.
- Assistance
- Up to 100% of the GST, maximum $50,000, for a price up to $1M. The rebate is phased out between $1M and $1.5M and is eliminated at $1.5M.
- Conditions
- Canadian citizen or permanent resident, 18 or older, who has not lived in a home owned by them (or their spouse) in the current year or the 4 previous years. Agreement signed with the builder on or after March 20, 2025, and before 2031.
Quebec Open
Refundable tax credit for home ownership (welcome tax refund)
- Who it’s for
- First-time buyers of a home in Quebec, and people with a severe disability buying a more accessible home.
- Assistance
- Up to $5,875: 100% of the first $5,000 in transfer duties, plus 25% of the next $3,500. The credit is reduced when the property’s value exceeds $750,000 and is zero at $1,000,000.
- Conditions
- Homes acquired since January 1, 2026. Neither the buyer nor their spouse has been an owner-occupant in the current year or the 4 previous years. Advance payment available in My Account; deadline for 2026: December 1, 2026, otherwise claim it in your income tax return.
Federal Open
FHSA (First Home Savings Account)
- Who it’s for
- First-time buyers saving to buy or build their first home.
- Assistance
- $8,000 per year, lifetime limit of $40,000. Contributions are deductible and qualifying withdrawals are tax-free.
- Conditions
- Can be combined with the Home Buyers’ Plan (HBP) for the same home. A tax-free withdrawal requires being a resident of Canada.
Federal Open
Home Buyers’ Plan (HBP)
- Who it’s for
- Buyers who withdraw funds from their RRSP to buy or build a qualifying home.
- Assistance
- Withdraw up to $60,000, repayable over 15 years.
- Conditions
- For a first withdrawal made between 2026 and 2028, repayment starts in the 5th year after the withdrawal.
Federal Open
Insured mortgages: 30-year amortization and $1.5M cap
- Who it’s for
- First-time buyers and buyers of a newly built home with less than 20% down payment.
- Assistance
- Maximum price of $1.5M for an insured mortgage. Minimum down payment: 5% up to $500,000 and 10% on the portion from $500,000 to $1.5M. Amortization up to 30 years.
- Conditions
- In effect since December 15, 2024.
Quebec Open
RénoRégion (SHQ)
- Who it’s for
- Low- or modest-income owner-occupants in rural areas whose home has major defects.
- Assistance
- Up to 95% of recognized work, maximum $20,000 ($25,000 depending on income). Work of at least $3,500.
- Conditions
- Municipalities with fewer than 15,000 residents or areas without water and sewer services. Building valued at $150,000 or less, 2 units maximum.
See all federal and provincial programs →
Programs change often: check the conditions on the official site before applying or starting work.
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