Self-employed in Laval? Your income still qualifies.

Laval median price, single-family homes — Centris (APCIQ) put the Laval median at <strong>$634,000</strong> for Q2 2026. For a self-employed mortgage that makes the 20% down about <strong>$126,800</strong> (the 20% this product usually needs). The same board counted 817 Laval sales in Q2 2026, with an average days on market of 30 days. Your own property and balance replace these numbers on the file.

Laval's board publishes each segment separately, and the gap is the point. At the condominium median of $428,000 the 20% down is about <strong>$85,600</strong>; at the plex (2–5 units) median of $898,000 it is about <strong>$179,600</strong>. The table on this page carries every row from the same Q2 2026 release.

On each market's own cited figure, the 20% down is $126,800 in Laval against Longueuil $125,600 (median $628,000); Brossard $146,590 (median $732,950). The comparison is the same arithmetic on a different price, which is why moving the search one municipality over changes the file before it changes the rate — lenders price the same product the same way across Quebec.

About <strong>$9,631</strong> at the median. It is paid in cash on closing (or, in Quebec, billed by the municipality afterwards) and cannot be added to the mortgage. Our <a href="/land-transfer-tax-calculator">land transfer tax calculator</a> runs your own price.

Laval's median single-family home price is approximately $634,000, so the typical self-employed file we see here sits in the $538,900–$729,100 band. Your specific neighbourhood and property type can move that materially.

On Laval's $634,000 median single-family home price, a representative self-employed file at minimum down works out to about $126,800 down and roughly $2,525/mo (principal + interest at 4.39% over a 30-year amortization). Budget about $9,631 for Laval’s welcome tax on top, which the city bills months AFTER closing rather than collecting on the day. Your exact numbers depend on the property and your file — we run them precisely before you commit.

Because the lender decides more than the rate: how Greater MTL property types are read, how much of your income counts, and what the file costs to move. In Quebec the file is placed by a mortgage professional licensed in Quebec, through our partner network.

Everyone brings two years of <strong>T1 generals</strong> with all schedules, two years of <strong>Notices of Assessment</strong>, photo ID, 90 days of down-payment history, six months of business bank statements, and a <strong>CRA statement of account</strong> showing your standing. Then it depends on your structure. A <strong>sole proprietor</strong> adds two years of <strong>T2125</strong>, a business licence or registration, and the CRA business number. A <strong>partnership</strong> adds the partnership agreement and the T2125 showing your share. An <strong>incorporated</strong> borrower adds two years of <strong>T2</strong> corporate returns, <strong>T4</strong> and <strong>T5</strong> slips, articles of incorporation, corporate financial statements and bank statements, and an accountant's letter confirming ownership and standing. If you are registered for GST + QST, add proof of registration and filing standing. The most common delay on these files is not a missing document — it is an NOA with a balance owing that nobody mentioned until the solicitor ordered the payout statement.

Mortgage brokering in Quebec is regulated by the AMF (Autorité des marchés financiers). Mortgage Squad Advisors is licensed by FSRA in Ontario (Brokerage #13737) and serves clients across Canada: Quebec files are processed by licensed mortgage professionals in your jurisdiction through our partner network, in compliance with AMF requirements. All advisors are FINTRAC-trained. Ask us for the registration details that apply to your file.