This is the complete document package that accompanies a CoChalet fractional resale: a deeded co-owner (FO) selling their indivision quote-part to a prospective new owner through an OACIQ-licensed real estate broker. The package spans nine transactional phases with ~85 distinct documents divided across five owners (seller, seller's broker, CoChalet, notary, buyer) and grounded in five primary legal frameworks (CCQ indivision; Convention d'indivision; OACIQ brokerage forms; Quebec notarial practice; AML/privacy compliance).
Before listing, the seller's broker must compile a clean title bundle. This is the legal foundation — every prospective buyer's notary will demand current versions of these documents during due diligence.
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| État certifié d'inscription (certified statement of registered rights) | Required | Notary | From registre foncier du Québec; must be dated within 30 days of closing. Lists all hypothecs, charges, easements, and the seller's quote-part registration. | CCQ 2941 + 3030 | |
| Titre de propriété (current acte de vente / deed) | Required | Seller | The notarial deed by which the seller acquired their quote-part. Establishes chain of title. | CCQ 1015 + 2693 | |
| Cadastre certificate (lot description) | Required | Notary | Identifies the immovable by lot number; confirms cadastral subdivision status (relevant if Phase 2 conversion to copropriété divise has occurred). | CCQ 3030 + 3041 | |
| Hypothec status — seller's share | Conditional | Seller | If the seller has hypothecated their FO share separately (CCQ 1015 enables FO-level hypothec), payoff statement and discharge required. | CCQ 1015 + 2660+ | |
| Conventional hypothec on share — Article 13.9 | Required | CoChalet | The conventional hypothec held by CoChalet for unpaid service fees / charges (substituting for the unavailable CCQ 2729 syndicate hypothec). Status statement required. | CCQ 1015 + 2660 + 2664 + 2681 + 2693 + 1021 + 2945; Convention v1.1 Art. 13.9 | |
| Property-level mortgage statement (Desjardins, informational) | Conditional | CoChalet | Informational disclosure to buyer about the 50% senior debt at the property level. Buyer's quote-part is NOT directly liable for this debt — but disclosure improves due diligence transparency. | Property entity loan documents | |
| Welcome tax (D-15.1) certificate of past payment | Required | Seller | Confirms previous welcome-tax payment by seller on initial acquisition. Buyer will pay welcome tax on resale. | D-15.1 (Loi concernant les droits sur les mutations immobilières) | |
| Property tax (taxes municipales) — paid status | Required | CoChalet | Pro-rata portion attributable to seller's quote-part. Adjustments calculated on closing statement. | Municipal tax law | |
| School tax (taxes scolaires) — paid status | Required | CoChalet | Same as above. Quebec maintains school taxes separately from municipal property tax. | Loi sur l'instruction publique | |
| Servitudes / easements (any registered) | Conditional | Notary | Surfaced via état certifié d'inscription. Common in Outaouais / Laurentides for water rights, access easements, hydro easements. | CCQ 1177–1184 |
"La publicité des droits les rend opposables aux tiers, établit leur rang et, lorsque la loi le prévoit, leur donne effet…"
The buyer's quote-part is only protected against future creditors and competing claims to the extent it is registered in the registre foncier. The pre-listing title bundle confirms what the buyer is acquiring AND the foundation for the buyer's own future protection.
The Convention d'indivision is the master document binding all FOs and CoChalet at the property. The buyer is acquiring not only a quote-part but adherence to the Convention. Disclosure of the full Convention stack is a legal and operational requirement.
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| Convention d'indivision v1.1 (registered) | Required | CoChalet | The master Convention published in the registre foncier. Full text including all articles. FR primacy per Charter art. 55.1 Limb B. | CCQ 1014; Charter art. 55.1 | |
| Convention amendments / addenda | Conditional | CoChalet | Any subsequent amendments to the original Convention (typically governance updates, fee adjustments). Each registered separately. | CCQ 1014 (re-publication on amendment) | |
| §9.3 — 30-year partition deferral (highlighted) | Required | CoChalet | The CCQ 1013 partition-deferral clause. Critical for buyer to understand: the indivision is locked for 30 years from inception, renewable. Buyer cannot demand partition. | CCQ 1013 | |
| Article 13 — Registrability + Mandate + Hypothec (highlighted) | Required | CoChalet | The 10 sub-clauses governing notarial form, irrevocable mandate (CCQ 2179), and conventional hypothec on FO share. Buyer must understand they are pledging their share as security for service-fee performance. | CCQ 1014 + 2179 + 1015 + 2660+ + 2945 | |
| §7 ROFR (Right of First Refusal) provisions | Required | CoChalet | The ROFR mechanism: CoChalet first → remaining FOs second → open market third. Triggered by this transaction; documented separately in §7 of Phase 8. | Convention §7 | |
| §4 Use rights protocol | Required | CoChalet | Booking calendar, priority windows, carry-forward / carry-back rules, Strike Premium auctions. The operating heart of the FO experience. | CCQ 1016 (use right anchored in title) | |
| §5 Service fee mechanics | Required | CoChalet | Monthly service fee amount, what's included, escalation rules, late-payment consequences. | Convention §5 | |
| §3 Manager mandate (CoChalet authority) | Required | CoChalet | Operational authority granted to CoChalet (bookings, maintenance, insurance, taxes, financial administration). Bound by CCQ 2125–2129 mandate ordre public. | CCQ 2125–2129 | |
| §6 Dispute resolution + §8/§9 default + buyout mechanics | Required | CoChalet | Mediation → arbitration ladder (§6); FO default + remedies (§8); forced buyout triggering events (§9). Each tested against LPC art. 11.4 + CCQ 1432/1437. | LPC art. 11.4; CCQ 1432, 1437 | |
| Latest annual FO meeting minutes | Required | CoChalet | Most recent annual indivisaires meeting. Decisions, votes, financial confirmations. | Convention §3 (governance) | |
| FO use-rights consumed history (12 mo) | Required | CoChalet | How many of the seller's allocated nights have been used in the past 12 months; what carries forward / forfeits on transfer. | Convention §4 | |
| Strike Premium history (last 3 years) | Optional | CoChalet | Bid-only annual premium auctions. Historical context for the buyer; no forward commitment implied. | Convention §4 | |
| Schedule of indivisaires (other FOs at the property) | Required | CoChalet | Names redacted for privacy / secret professionnel; quote-part percentages disclosed. Buyer needs to know they're entering a 5-FO Sanctuaire or 3-FO Ensemble structure. | Loi 25 + Quebec Charter art. 9 (privacy balance) |
Unlike a standard residential resale, the buyer here acquires contractual obligations alongside title. The buyer becomes a party to the Convention by adhesion. The Convention's §3 manager mandate, §5 service fee, §7 ROFR, §9.3 partition deferral, and Article 13.9 conventional hypothec are structural features that travel with the quote-part. The buyer cannot negotiate them down — they are accepted whole as a pre-existing contract of adhesion (CCQ 1379).
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| Property management agreement (CoChalet ↔ property entity) | Required | CoChalet | Full text of the management contract. Buyer should understand who manages and on what terms. | Convention §3 + CCQ 2125–2129 | |
| Insurance certificate(s) — current | Required | CoChalet | Property insurance + commercial liability + (if Ensemble) STR-specific coverage + (if applicable) H-1.01 r. 1 art. 8 $2M civil-liability minimum. | A-32.1; H-1.01 r. 1 art. 8 | |
| CITQ permit (Ensemble only) | Conditional | CoChalet | For Ensemble properties only. Permit is non-transferable per H-1.01 art. 7 — buyer must understand CoChalet retains the permit as STR operator. | H-1.01 art. 7 | |
| Sanctuaire zero-STR canon attestation (Sanctuaire only) | Conditional | CoChalet | For Sanctuaire properties only. Written confirmation that property is canonically zero-STR (no CITQ permit, no STR ever). Locked in Convention §3.3. | Convention §3.3 | |
| Most recent property inspection report | Required | CoChalet | Annual inspection by CoChalet's contracted inspector. Buyer's own inspection follows in due diligence (Phase 8). | Industry standard | |
| Maintenance history + recent work orders | Required | CoChalet | Last 12–24 months of completed work, scheduled work, and any open issues. Capital improvements distinguished from routine maintenance. | Industry standard | |
| Utilities setup (account holders, service providers) | Required | CoChalet | Hydro-Québec, gas, internet, water (well or municipal), septic. CoChalet typically holds accounts on behalf of the indivision. | Industry standard | |
| Vendor contracts (cleaning, maintenance, snow, landscaping) | Optional | CoChalet | Schedule of contracted service providers. Disclosure level depends on transaction. | Industry standard | |
| STR booking history + revenue (Ensemble only) | Conditional | CoChalet | For Ensemble: aggregate STR revenue last 12 months (informational; flow is to CoChalet, not FO). Must be presented WITHOUT yield-implication framing. | Convention §4 + CCQ 1018 override |
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| Service-fee statement — paid status | Required | CoChalet | Confirms seller's monthly service fee is current. Any arrears must be cured before closing or netted out of proceeds. | Convention §5 | |
| Property tax certificates — paid up | Required | CoChalet | Municipal property tax current as of last billing. | Municipal taxation | |
| School tax certificates — paid up | Required | CoChalet | Quebec school tax current. | Loi sur l'instruction publique | |
| CoChalet entity financial statements (most recent fiscal year) | Required | CoChalet | Financial statements for the property entity (and CoChalet management entity if relevant). Audited if available; reviewed otherwise. | Convention §3 (governance reporting) | |
| Operating budget (current + next year) | Required | CoChalet | Approved budget at last annual FO meeting. Allows buyer to anticipate fee adjustments. | Convention §5 (escalation rules) | |
| Reserve fund status | Required | CoChalet | Current reserve fund balance + projected reserve study. Critical for buyer underwriting future capital improvements. | Industry standard | |
| Welcome tax estimate for buyer | Required | Notary | Notary calculates D-15.1 welcome tax due on resale. Calculated on the proportional value of the quote-part. | D-15.1 + Bulletin 2025-5 | |
| GST/QST status & estimate | Required | Notary | Ensemble Reading A: per-FO closing taxable at 14.975% ≈ $16,800 per $112,300 stake. Sanctuaire: ETA Sch V Pt I s. 2 typically exempts residential resale (subject to Phase 1 opinion). | ETA s. 123(1) + Sch V Pt I s. 2; QSTA / LIQ | |
| Income-tax history at the FO level (capital gains) | Conditional | Seller | If seller has been depreciating the share (CCA) or has a principal-residence designation, this affects the seller's tax — but is generally not buyer-relevant. | ITA + Folio S1-F3-C2 / S3-F2-C1 |
Quebec law imposes mandatory seller disclosures (the déclaration du vendeur) and OACIQ-mediated transactions add brokerage-specific disclosures. The seller's broker compiles this bundle.
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| Déclaration du vendeur (DV) — OACIQ form | Required | Seller | OACIQ standard "Seller's Declaration" form. Mandatory per OACIQ regs. Covers known defects, material facts, history. | OACIQ Règlement; CCQ 1726–1739 (vices cachés) | |
| Brochure d'information à l'acheteur (OACIQ buyer-info) | Required | Broker | OACIQ-issued buyer-protection brochure. Explains broker's role, agency relationships, OACIQ recourse mechanism. | OACIQ Règlement | |
| CoChalet operational disclosure addendum | Required | CoChalet | Custom addendum to the DV explaining the indivision structure, use rights, service fee, ROFR, conventional hypothec, and what's NOT included in the deed (no yield, no STR revenue at Sanctuaire / no STR revenue distribution at Ensemble). | Convention v1.1 + LPC art. 11.4 alignment | |
| Pyrite / vermiculite / asbestos disclosure | Conditional | Seller | If known or tested. Pyrite test typical in Outaouais / Laurentides; vermiculite (Zonolite) common in homes built pre-1990; asbestos in older properties. | CCQ 1726–1739; Règlement sur la qualité de l'air | |
| Septic / wastewater system disclosure | Conditional | CoChalet | If property is on septic (typical for rural Outaouais). Last inspection, system age, capacity, conformity to Q-2, r. 22. | Q-2, r. 22 (Règlement sur l'évacuation et le traitement des eaux usées) | |
| Well water test (if applicable) | Conditional | CoChalet | Potability test results within last 12 months. Quebec norm for residential well water. | Q-2, r. 40 (Règlement sur le prélèvement des eaux et leur protection) | |
| Oil tank disclosure | Conditional | Seller | If property has buried oil tank or has had one. Environmental liability transfer concern. | Loi sur la qualité de l'environnement Q-2 | |
| Past flooding / water damage disclosure | Required | Seller | Material fact disclosure. Even a single flood event must be disclosed. Quebec municipalities increasingly impose flood-zone restrictions. | CCQ 1726; Politique de protection des rives | |
| Drug-related activity disclosure | Required | Seller | Quebec recent requirement (post-cannabis legalization). Discloses any past use as a grow-op or for drug-related purposes. | OACIQ guidance | |
| Renovation history | Required | CoChalet | Last 5 years of major renovations. Building permits attached if available. | OACIQ Règlement; CCQ 1726 | |
| Insurance claim history | Required | CoChalet | Last 5 years of insurance claims at the property level. Material for buyer's insurance underwriting. | Industry standard | |
| Energy disclosure (if available) | Optional | CoChalet | Energy consumption history; ÉnerGuide or similar rating if completed. | Voluntary | |
| Servitudes / easement diagram (if any) | Conditional | CoChalet | Visual representation of any registered servitudes affecting the property. Common in lake/mountain properties for water access, hydro, neighbours' use. | CCQ 1177–1184 |
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| Contrat de courtage exclusif (Exclusive listing agreement) — OACIQ form | Required | Broker | OACIQ-mandated listing-agreement form. Specifies term, commission, exclusivity, broker duties. | C-73.2 + OACIQ Règlement sur les contrats et formulaires | |
| Annexe — particularités du contrat (Listing addendum) | Conditional | Broker | Custom annex covering CoChalet-specific items: ROFR mechanics, CoChalet vetting requirement, FR-primacy delivery requirement. | OACIQ Règlement | |
| Brokerage agency disclosure form | Required | Broker | Discloses whether broker represents seller, buyer, or both (dual agency). OACIQ requires written acknowledgment. | OACIQ Règlement | |
| Compensation disclosure (if non-standard) | Conditional | Broker | Required if commission structure is non-standard (e.g., fee-split with buyer's broker, referral fees). | OACIQ Règlement | |
| Centris / MLS listing data sheet | Conditional | Broker | If listed on Centris (Quebec real-estate MLS). Data fields populated per Centris standards. | Centris terms; OACIQ | |
| Property photos / virtual tour | Required | Broker | Standard listing assets. CoChalet may provide brand-aligned photography from brand library. | Industry standard | |
| Floor plan | Required | CoChalet | Architectural floor plan or surveyor sketch. Typically held by CoChalet from acquisition. | Industry standard | |
| CO economics summary (CoChalet-provided) | Required | CoChalet | Brand-aligned summary of monthly carrying — service fee $1,500 (Ensemble Junior) / $1,875 (Ensemble Base) / $2,500 (Ensemble Premium & Sanctuaire Base) / $3,500 (Ensemble Ultra & Sanctuaire Premium) per FORMULA_REFERENCE v1.2 Tier Ladder; P&I varies by property cost — use rights (37 / 73 nights), Strike Premium framework, and structural features. Cannot use forbidden marketing language (no "yield" / "investment property" / "guaranteed return" / "appreciation" — see master brand canon). | LPC + Charter art. 55.1; brand canon | |
| Use-rights summary + booking calendar | Required | CoChalet | How many nights, when they can be used, priority windows, booking system access. | Convention §4 |
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| Promesse d'achat (Promise of Purchase) — OACIQ form | Required | Buyer | OACIQ-mandated offer form. Specifies price, conditions, deadlines, deposit, closing date. | C-73.2 + OACIQ; CCQ 1396 (offer/acceptance) | |
| Annexe générale (Standard annex) — OACIQ form | Required | Buyer | Standard annex covering inclusions / exclusions / occupancy. | OACIQ Règlement | |
| Annexe immeuble en copropriété (Co-ownership annex) — OACIQ form | Required | Buyer | Specifically for co-ownership transactions. Adapted for indivision (vs divise) by attached CoChalet rider. | OACIQ Règlement; CCQ 1010+ / 1038+ | |
| Annexe — particularités CoChalet (CoChalet rider) | Required | Broker | Custom rider covering: ROFR triggering + waiver workflow, CoChalet vetting rights, adhesion to Convention v1.1, FR-primacy acknowledgment, conventional hypothec assumption, FINTRAC/Loi 25 cooperation. | Convention §7 + CCQ 1014; Charter art. 55.1; PCMLTFA + Loi 25 | |
| Earnest money / deposit receipt | Required | Broker | Deposit held in broker's trust account. Receipt issued; held until closing or condition failure. | OACIQ Règlement (trust account); Loi sur le Barreau / Notariat (parallel) | |
| Counter-offer(s) | Conditional | Seller | If price or terms are counter-proposed. Each counter-offer documented as a new round. | CCQ 1393 (counter-offer is rejection + new offer) | |
| Acceptance documentation | Required | Seller | Signed acceptance of the final offer. Triggers all subsequent timelines (inspection, financing, closing). | CCQ 1395 | |
| Conditions précédentes (Conditions precedent) | Required | Buyer | Buyer's conditions: inspection, financing, ROFR-clearance, CoChalet-approval, document review, etc. Each with deadline. | CCQ 1497–1507 |
Once the offer is accepted, the buyer's due diligence period begins. ROFR runs in parallel — CoChalet must affirm or waive, then remaining FOs at the property must be notified per Convention §7.
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| Property inspection report (buyer's inspector) | Required | Buyer | Buyer's independent inspection. Typical 5–10 business day window. Discrepancies trigger renegotiation or cancellation. | OACIQ best practice; CCQ 1726+ | |
| Updated état certifié d'inscription | Required | Notary | Refreshed within ~14 days of closing. Confirms no new encumbrances since pre-listing copy. | CCQ 2941 + 3030 | |
| Updated tax certificates | Required | Notary | Confirms taxes paid up through closing date. | Municipal + Loi sur l'instruction publique | |
| Buyer's lender pre-approval / commitment | Conditional | Buyer | If buyer is financing the purchase. Note: Desjardins commercial mortgage at the property level is NOT the buyer's loan — the buyer would typically self-finance or use a separate FO-level loan. | Bank Act / Loi sur les institutions financières | |
| Buyer KYC/AML documentation | Required | Notary | Notary verifies buyer's identity per PCMLTFR s. 102 + KYC requirements. Required for closing. | PCMLTFA s. 5(j); PCMLTFR s. 102 | |
| Buyer source-of-funds documentation | Required | Notary | Source-of-funds documentation per FINTRAC. Especially scrutinized for cash transactions ≥ $10K. | PCMLTFR ss. 59–63 |
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| ROFR notice to CoChalet | Required | Broker | Formal notice triggering CoChalet's right of first refusal. Includes price, terms, and deadline (typically 14 days). | Convention §7 | |
| CoChalet ROFR response (waiver or exercise) | Required | CoChalet | Written waiver (CoChalet declines to purchase) or exercise (CoChalet purchases at offered price/terms). | Convention §7 | |
| ROFR notice to remaining FOs | Required | CoChalet | If CoChalet waives, remaining FOs at the property are notified. Same-pricing first-right-of-refusal opportunity. | Convention §7 | |
| Remaining-FO ROFR responses (waivers or exercises) | Required | CoChalet | Each remaining FO's written waiver or exercise. Compiled by CoChalet. | Convention §7 | |
| ROFR completion certificate | Required | CoChalet | If all ROFR rights are waived, certificate confirming the buyer may proceed. Required by notary at closing. | Convention §7 |
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| CoChalet vetting questionnaire (with CO Bifurcation Framework classification — added 2026-05-08 per J3 Construction Blenda analysis) | Required | CoChalet | Buyer questionnaire: identity verification, AML/KYC, fit with destination clause, expected use pattern, family composition. NEW (per April 29 Lebeuf transcript review + J3 Construction Blenda framework): CO BIFURCATION CLASSIFICATION — (a) is FO buyer CONSUMER (individual personal/family use) or COMMERCIAL ACTOR (corporate vehicle / family office / self-directed registered plan / declared commercial purpose)? (b) Construction Blenda 3-prong documentation if commercial (posterior acquisition + precise expression + full knowledge)? (c) bankruptcy-regime classification (debt level + tolerance for CCAA multi-year stay)? This classification determines (per Construction Blenda inc. c. OM Rosemère 2020 QCCA 149): (i) Convention enforceability (mandatory arbitration / manager mandate / forced buyout / distressed sale / CCQ 1018 CO ZERO Cash override); (ii) bankruptcy regime (BIA Div I + CCAA vs Div II + Part XV); (iii) Charter art. 55.1 bilingual mechanism; (iv) Architecture C side-letter execution. Three architectures live (Lebeuf Phase 1 E1 adjudicates): A = consumer-floor universal · B = commercial-only filter · C = bifurcated (master + side-letter; panel-recommended). | Convention §7; PCMLTFR; Loi 25; BIA Part III Div I + Div II; Construction Blenda 2020 QCCA 149; LPC art. 11.4; CCQ 2125; CCQ 1018 | |
| CoChalet vetting approval letter | Required | CoChalet | Written approval that buyer passes vetting. Required before notary can proceed to closing. | Convention §7 | |
| Buyer's adhesion agreement to Convention v1.1 | Required | Buyer | Signed adhesion to all Convention provisions (§3 manager mandate, §5 service fee, §7 ROFR, §9.3 partition deferral, Article 13 conventional hypothec, etc.). Adhesion contract under CCQ 1379. | CCQ 1379, 1432, 1437; Convention v1.1 | |
| FR-primacy acknowledgment (Charter art. 55.1) | Required | Buyer | Express-wish bilingual acknowledgment under Charter art. 55.1 Limb B. Buyer confirms received documents in FR with EN translation; FR governs in case of conflict. | Charter of French Language art. 55.1 Limb B | |
| Buyer privacy consent (Loi 25) | Required | Buyer | Explicit consent to CoChalet's processing of buyer's personal information. Specific purposes enumerated. | Loi 25 / P-39.1 s. 3.1+ | |
| Personal-use attestation (anti-investment-contract framing) | Required | Buyer | Buyer's signed attestation that the purchase is for personal use, not investment-yield purposes. Reinforces structural defense against LVMQ "investment contract" characterization. | LVMQ V-1.1 s. 5; Pacific Coast Coin; Desmarais |
Closing is conducted before a Quebec notary. The notary handles tax remittance, registration, and title transfer. Post-closing, CoChalet integrates the new FO into operational records.
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| Acte de vente (Deed of sale, notarized) | Required | Notary | The notarial deed transferring title from seller to buyer. Signed before notary. Registered in registre foncier. | CCQ 1708, 2693, 2934+; Loi sur le notariat | |
| Discharge of seller's encumbrances | Conditional | Notary | If seller had FO-level hypothecs (CCQ 1015) or seller's conventional hypothec to CoChalet, discharges executed and registered. | CCQ 2795–2802 | |
| New conventional hypothec on buyer's share (Article 13.9) | Required | Notary | Re-anchored conventional hypothec; CoChalet now holds security on buyer's quote-part for service-fee performance. Registered concurrently with deed. | CCQ 1015 + 2660 + 2693 + 2945; Convention Article 13.9 | |
| Welcome tax declaration & payment (D-15.1) | Required | Notary | Filed by notary on closing. Calculated on quote-part value per Mont-Tremblant Règlement (2023)-221 (or local bylaw). Mont-Tremblant: 2% on $500K–$750K; 3% flat above $750K. | D-15.1; Mont-Tremblant Règl. (2023)-221; Lac-des-Plages 180-2024 (per local Greffe) | |
| GST/QST documentation | Required | Notary | Ensemble Reading A: GST/QST collected at closing (~$16,800 per $112,300 stake). Sanctuaire: typically Sch V Pt I s. 2 exempt. Documented per Phase 1 Lebeuf opinion. | ETA s. 123(1) + Sch V Pt I s. 2; QSTA / LIQ; 1351231 Ontario 2024 TCC 37 / 2025 FCA 53 | |
| État des ajustements (Closing statement) | Required | Notary | Detailed closing statement: purchase price, deposit, taxes paid up / pro-rated, broker commission, notary fees, welcome tax, GST/QST, net to seller. | CCQ + notarial practice | |
| Receipt of funds | Required | Notary | Confirms full payment received before deed registration. | Industry standard | |
| FINTRAC report (notary's filing) | Required | Notary | Notary's mandatory FINTRAC reporting if cash component ≥ $10K. Note: per Canada (AG) v Federation of Law Societies 2015 SCC 7, Quebec notaries acting as legal counsel are EXEMPT from FINTRAC reporting; for transaction-only (non-counsel) work, reporting applies. CoChalet (developer) reports separately under PCMLTFR ss. 59–63. | PCMLTFA s. 5(j); PCMLTFR ss. 59–63; FLS 2015 SCC 7 | |
| Notarized identification of parties | Required | Notary | Identity verification per Loi sur le notariat + PCMLTFR s. 102. | Loi sur le notariat (N-3); PCMLTFR s. 102 |
| Document | Status | Owner | Purpose / Notes | Legal Anchor | |
|---|---|---|---|---|---|
| Final title registration certificate | Required | Notary | Confirmation that the deed has been registered in the registre foncier; buyer is now the title-holder of record. | CCQ 2941 + 3030 | |
| Hypothec discharge / re-registration confirmation | Required | Notary | Old hypothecs discharged; new conventional hypothec on buyer's share registered. All confirmed in registre foncier. | CCQ 2795–2802 + 2945 | |
| Updated CoChalet schedule of indivisaires | Required | CoChalet | CoChalet records updated to reflect buyer as new FO. Internal records + (where applicable) updated registered Convention amendment. | Convention §3 + CCQ 1014 | |
| CoChalet onboarding package for new FO | Required | CoChalet | Booking-system access, key transfer, orientation tour, governance documents, contact protocols. | Operational | |
| Notary's tax remittance confirmation | Required | Notary | Welcome tax + GST/QST remitted to authorities. Confirmation receipts. | D-15.1; ETA; QSTA | |
| Final closing statement (audited) | Required | Notary | Final reconciled statement issued to seller and buyer. Discrepancies (if any) trued up. | Notarial practice | |
| Seller's tax filings (capital gains, T2091, TP-274) | Conditional | Seller | If applicable: seller's capital-gains reporting (federal T2091 if principal residence designation; Quebec TP-274 parallel). Filed in seller's annual tax return. | ITA + Folio S1-F3-C2; Loi sur les impôts | |
| Buyer's compliance ack (Convention adhesion file) | Required | CoChalet | CoChalet's permanent record of buyer's signed adhesion to Convention v1.1, FR-primacy ack, Loi 25 consent, AML attestations, personal-use attestation. | Internal compliance file |
This compressed checklist works as a one-page printable. Use it as the seller's broker's master tracker; expand to the full sections above for detail.
| # | Phase | Documents | Owner(s) |
|---|---|---|---|
| 1 | Title & Encumbrances | ~10 documents — état certifié + deed + cadastre + hypothec status + welcome tax cert + tax certs | Notary + Seller + CoChalet |
| 2 | Convention d'Indivision Stack | ~13 documents — Convention v1.1 + amendments + §9.3 + Article 13 + ROFR + use-rights protocol + service fee + meeting minutes + indivisaires schedule | CoChalet |
| 3 | CoChalet Operational Records | ~9 documents — management agreement + insurance + CITQ permit + inspection + maintenance + utilities + STR history (Ensemble) | CoChalet |
| 4 | Financial Statements & Tax Status | ~9 documents — service-fee paid + tax certs + financial statements + budget + reserve + welcome tax + GST/QST estimates | CoChalet + Seller + Notary |
| 5 | Property Condition & Disclosures | ~13 documents — DV (OACIQ) + buyer-info brochure + CoChalet addendum + environmental disclosures + renovation history + claims history + servitudes | Seller + Broker + CoChalet |
| 6 | OACIQ Brokerage Forms & Marketing | ~9 documents — listing agreement + agency disclosure + Centris data + photos + floor plan + CO economics + use-rights summary | Broker + CoChalet |
| 7 | Offer + Negotiation | ~7 documents — promesse d'achat + annexes (general + co-ownership + CoChalet rider) + earnest money + counter-offers + acceptance + conditions précédentes | Buyer + Seller + Broker |
| 8 | Due Diligence + ROFR + Vetting | ~14 documents — inspection + updated état + tax certs + lender approval + KYC/AML + ROFR notices + waivers + CoChalet vetting + adhesion + FR ack + privacy consent + personal-use attestation | Buyer + Notary + CoChalet + Broker |
| 9 | Closing + Post-Closing | ~16 documents — acte de vente + discharges + new conventional hypothec + welcome tax + GST/QST + closing statement + FINTRAC + identification + final registration + CoChalet onboarding + tax filings | Notary + CoChalet + Seller + Buyer |
| Total | ~85 distinct documents | 5 owners | |
Because the structure is indivision (not standard residential resale), the broker must coordinate with CoChalet at three points: (i) pre-listing — to assemble the Convention/operational/financial bundles; (ii) ROFR — to trigger CoChalet's first-refusal then propagate to remaining FOs; (iii) closing — to confirm CoChalet vetting approval and to provide the up-to-date Article 13.9 conventional hypothec status. Standard residential resale workflow does NOT fit this structure cleanly; treat each CoChalet touch-point as a hard milestone.
| Domain | Anchor(s) | What it governs |
|---|---|---|
| Title & publication | CCQ 2941, 2944, 2945, 2963 + 3030, 3041 | Foundation of opposability + cadastre + immovables index |
| Indivision | CCQ 1010–1037 (esp. 1013, 1014, 1015, 1016, 1018, 1021, 1030, 1031, 1032) | Co-ownership without physical division; partition deferral; conventional override; FO use rights + fruits |
| Hypothec | CCQ 2660–2796 (conventional) + 2729 (syndicate — N/A in indivision) + 2179 (mandate irrevocability) | Article 13.9 conventional hypothec workaround; CCQ 2729 gap; CCQ 2179 irrevocability anchors |
| Adhesion + abusive clauses | CCQ 1379, 1432, 1437; LPC art. 11.4 | Convention is contract of adhesion; ordre public bar protects FOs |
| Pre-incorporation | CCQ 319–320; Jozsa 2013 / Société sylvicole 2005 / Grostern 2007 | Founder personal liability; ratification mechanics; engagement-letter transfer |
| Brokerage | C-73.2 + OACIQ Règlement; OACIQ public guidance (developer / vendor exemption) | OACIQ-licensed broker mediation; vendor-outside-scope reading |
| Notarial form | Loi sur le notariat (N-3); CCQ 2693 (immovable hypothec) | Notarial-act-in-minute requirement for all real-property transfers + hypothecs |
| Disclosure | OACIQ Règlement; CCQ 1726–1739 (vices cachés); Charter art. 55.1 Limb B | DV form; buyer-info brochure; FR-primacy on adhesion contracts |
| Tax | D-15.1 + Bulletin 2025-5; ETA s. 123(1) + Sch V Pt I s. 2; QSTA / LIQ; 1351231 Ontario 2024 TCC 37 / 2025 FCA 53 | Welcome tax; GST/QST treatment of resale (Ensemble vs Sanctuaire) |
| AML | PCMLTFA s. 5(j); PCMLTFR ss. 59–63 + 102 + 156; FLS 2015 SCC 7 | FINTRAC reporting (real-estate developer); KYC/identity verification; notary-as-counsel exemption |
| Privacy | Loi 25 / P-39.1 ss. 3.1, 3.5, 12, 17, 23, 27 | Privacy officer + breach notification + biometrics + cross-border + erasure + portability |
| Professional conduct | Code de déontologie des avocats art. 60–61; Loi sur le Barreau s. 131; Loi sur le notariat | Privilege + secret professionnel + notarial duties |
Document categorization respects Quebec notarial practice + OACIQ-mandated forms + Convention v1.1 architecture + AML/privacy compliance. Every document mapped to its primary legal anchor (CCQ article / OACIQ form / statute) per latest J11/J12 verified canon (FARPBQ $10M; Bill 96 art. 55.1 Limb B effective June 1, 2022; PCMLTFR ss. 59–63 + 102 + 156; CCQ 2179 verbatim; Sanctuaire $2,500/mo service-fee per OPEN-07 RESOLVED 2026-05-01). Marketing-language discipline locked: CO economics summary cannot use "yield" / "investment property" / "guaranteed return" / "appreciation" framing. Reading A/B framing preserved on substantive doctrinal questions (Sanctuaire $2,500/mo service-fee characterization; ROFR enforceability against forced 1031 conversion). Adjudication owner remains Me Michel Lebeuf, TCJ partner — Phase 1 written opinion controls all substantive doctrinal questions.