2026 property balance sheet
The guide turns the equity you already hold into real room to move: what is left after the balance, and what that changes next.
Inside the review
A simple tool to see where you stand today — even if you haven't decided to sell.
How the math works
A balance sheet doesn't start with an asking price. It starts with what you already own, takes out what you still owe, then shows what's left for the next move.
See the buyer sideCurrent asset
What the property is worth today, read through comparable sales in the area.
Less what you owe
Mortgage balance, possible penalty, selling costs and the notary's fees.
Room to move
What's left for the down payment, the move and the surprises.
A mortgage balance moves every month. The report freezes it on one date so the numbers actually hold.
More down payment, less borrowing. We look at the effect on the monthly payment before settling on a price range.
Welcome tax, notary, movers, overlapping dates: these costs get counted before the offer, not after.
Two scenarios
Your balance sheet reads differently depending on what comes next. Pick your scenario; the steps change.
We complete the Seller's Declaration and settle the small details before the first photo.
The price is built on comparable sales in the sector, not on the municipal assessment.
Every promise to purchase is read in full: price, conditions, inspection, dates.
Documents go to the notary ahead of time so closing day stays calm.
Here, the 2026 balance sheet shows what remains once the mortgage balance and fees are paid.
We lay out the estimated value, the remaining balance and the transition costs to expect.
Pre-approval is done with a mortgage broker authorized by the AMF or with your institution.
Sell first or buy first: we decide based on your room to manoeuvre, not on habit.
The conditions and occupancy dates of both transactions are negotiated together.
The document
A simple tool to understand where you stand today — even if you haven't decided to sell.
Your property review 2026
Where you stand today, with no decision to sell required.
Request
Leave your contact details and a few facts about the property. Your email is used to send the guide and answer you, nothing else.
The workbook arrives by email, as a PDF. If nothing shows up, check your junk folder or write to me.
Run the numbers
A home's net value isn't the asking price. It's what's left once the mortgage balance is paid off and the moving costs are covered.
Start with the payments, then add the fees.
These tools give estimates only. Confirm financing figures with an AMF-authorized mortgage broker or your lender, and closing costs with your notary.
They made the move
Their words, not mine. They sum up how I work: available, clear, one step at a time.
Courtier immobilier d’exception! Excellente expérience avec Xavier Grenier! Très disponible tout au long du processus, efficace, professionnel et toujours à l’écoute. Son accompagnement a rendu chaque étape beaucoup plus simple et rassurante pour l’achat de notre première propriété. Je recommande sans hésitation !
Excellent service! Il est très à l'écoute et nous fournit de l'aide presqu'en tout temps! Je recommande fortement ses services. Merci Xavier pour ton temps et pour ton efficacité!
Je n’ai que de bons commentaires pour Xavier!! Il m’a accompagné à merveille dans l’achat de mon premier condo. Gentil, professionnel, disponible, proactif… Il connaît super bien ses choses! Il a toute ma confiance et je recommande ses services à 100% 😊
Professionnalisme incroyable, toujours disponible pour nos besoins et nous avions toujours des nouvelles propriétés à regarder puisque Xavier nous tenais au courant de tout. Je recommende à tout le monde! 10/10
Un service vraiment exceptionnel du début à la fin! Xavier a été super professionnel, disponible et surtout à l’écoute de nos besoins. Il a toujours pris le temps de répondre à nos questions et de nous guider, sans jamais nous mettre de pression. On s’est sentis en confiance tout au long du processus. Merci pour ton excellent travail, ton efficacité et ta bonne humeur! On le recommande sans hésiter! 😊🏡
Un service vraiment exceptionnel du début à la fin! Xavier a été super professionnel, disponible et surtout à l’écoute de nos besoins. Il a toujours pris le temps de répondre à nos questions et de nous guider, sans jamais nous mettre de pression. On s’est sentis en confiance tout au long du processus. Merci pour ton excellent travail, ton efficacité et ta bonne humeur! On le recommande sans hésiter! 😊🏡
I'm the one who answers the phone, runs the showings and prepares your report.
Before you sign
The ones sellers ask at the kitchen table, right when the numbers come out. Short answers below.
I can provide a free evaluation of your property based on recent sales in your neighbourhood, the features of your home and current market conditions. Contact me to set up a consultation.
Selling time depends on the market, the price and the condition of the property. On average, a home that is well prepared and properly priced can sell within 30 to 90 days. I work with you to keep that window as tight as possible.
Beyond the purchase price, plan for notary fees, the welcome tax, the inspection, title insurance and moving costs. I will give you a detailed estimate of everything.
The municipal assessment is often taken for the real price, when in fact it lags behind, often by 2 to 3 years, and exists mainly to calculate taxes. Many buyers and sellers lean on it to negotiate or set a price, and that is not a sound practice.
As a rule, small upgrades that improve the first impression — fresh paint, updated light fixtures, tidy landscaping — give a good return. Major work like a full kitchen or bathroom rarely recovers 100% of its cost, even though it does help the property sell.
In Quebec, the seller is legally required to complete a Seller's Declaration: a document disclosing every known issue with the property — water infiltration, work carried out, maintenance, foundation problems and so on. It is an important protection for the buyer.
That said, the declaration only covers what the seller knows and discloses. It does not replace an inspection by a certified building inspector, still the best tool for spotting what the eye cannot see.
Strictly speaking, nothing stops you from hiring the inspector you want. In Quebec, though, the rule is clear: a building inspector must belong to a recognized association and carry mandatory professional liability insurance.
Be wary of inspectors with unusually low prices, those who give a verbal report with nothing in writing, or who do not belong to the Association des inspecteurs en bâtiment du Québec (AIBQ). A sloppy report can cost a great deal once you have the keys.
A framework you fill in with your own figures: the estimated net value of your property, what remains once the mortgage balance is paid off, the costs to plan for a move, and the right order of steps if you are selling and buying. The amounts stay yours; we review them together, then with the professionals involved.
Last step
One call, your numbers, an honest read on your options. Sell, buy, or simply find out where you stand.
Saint-Jean-sur-Richelieu and the surrounding towns.