Your lender offered you insurance with your mortgage in Gatineau, or you are about to get one. Before you sign, a life and health insurance representative registered with the AMF compares that offer with an individual life insurance policy. The form asks no medical questions.
The housing stock in Gatineau
Gatineau is constantly compared to Ottawa across the river. A federal job market, Quebec taxation, and identical federal mortgage rules on both sides create a particular situation not every broker knows.
Sectors: Hull · Aylmer · Gatineau · Buckingham · Masson-Angers
Transfer duties in Gatineau
Since February 25, 2026, the City of Gatineau applies a 3% rate on the part of the base above $500,000. The regime differs from Ontario’s, which applies in Ottawa.
Transfer duties are paid in cash after signing with the notary; they are not included in the mortgage loan.
What is specific to Gatineau
Gatineau has combined five former cities since 2002: Aylmer, Buckingham, Gatineau, Hull and Masson-Angers. The sector where the property sits matters in the conversation with the broker, for example whether it is near a waterway.
Who gets the money
With the lender’s insurance, the lender is generally the beneficiary, and the amount shrinks with the loan balance. With an individual policy, you choose the beneficiary. Your spouse then receives a sum to use as they see fit, including to pay off the house.
At renewal
If you change lenders, insurance tied to the loan may not follow you. An individual policy stays in force. Read that clause before you sign, not when you renew.
Why there is no price here
The price depends on your age, your health, whether you smoke, and the amount insured. Without those, a figure would mean nothing.
What follows your request
Your request goes only to the team authorized for this service. A person registered with the AMF calls you back. You remain free not to proceed; your consent is timestamped and revocable from every email you receive.