Pre-approval while on probation in Quebec.

Underwriting treats probation as employment risk. A clean offer letter alone is rarely enough.

Quebec adds its own layer. Notarial closings replace the lawyer step elsewhere. Underwriters expect the notary, not a lawyer, on instructions. That matters here because underwriters are already scrutinizing the income side of a pre-approval while on probation file — a property or program complication local to Quebec can push a marginal file over the edge.

Welcome Tax (droits de mutation) on a tiered scale; Montreal adds an extra bracket above $500K.

Programs to check eligibility for in Quebec:

• Home Buyers' Plan
• FHSA
• Montreal Home Ownership Program (varies by family composition)

• Offer letter with explicit probation length and terms
• Letter from HR confirming role is permanent post-probation
• Employment history showing same industry continuity

Quebec nuance: Income tax assessments use the Revenu Québec format alongside the CRA NOA; expect both.

• Co-ownership (divided/undivided) materially changes lender appetite.
• Quebec Law 25 affects what data lenders and brokers can collect.
• Quebec employment letters must usually be bilingual or accompanied by a translation.

Underwriter view of this scenario: Industry continuity matters as much as the probation clause itself. Same role/same industry borrowers clear more easily than career-changers.

• Provide a clean industry-continuity story in writing
• Identify lenders whose policy permits probationary income in the same industry
• Defer the property search until probation ends if possible

• Career-change probation (different industry, different role).
• Probation extended due to performance concerns.