Top 6 banking picks for Beauce residents and home buyers — with a free Quebec droits de mutation calculator.
Beauceville is a historic Beauce municipality along the Chaudière River, about 30 km north of Saint-Georges. Known for its beautiful waterfront Promenade de la Chaudière, dramatic gorge geology, and as the hometown of hockey legend Guy Lafleur, Beauceville balances Beauce industrial heritage with small-town charm.
Average home prices in Beauceville are approximately $270,000, among the most affordable in the Beauce region while offering exceptional quality of life in a scenic river setting. The Chaudière River gorge through Beauceville is particularly dramatic, with the town built on terraced hills above the river.
Guy Lafleur, "The Flower" — arguably the greatest Quebec-born hockey player and one of the NHL's all-time legends — was born in Thurso but grew up and is closely associated with the Beauce. The region's hockey culture is deeply embedded, with local arenas and minor hockey leagues producing talent for the province.
Beauceville has manufacturing roots in plastics and composites, reflecting the broader Beauce industrial character. Local employers include regional manufacturers and public services. The Desjardins caisse network serves Beauceville; other banking is accessible in nearby Saint-Georges.
The droits de mutation on a $270,000 home is approximately $2,532 — no Montreal surtax applies. A relatively modest welcome tax for this affordable Beauce market. No first-time buyer rebate in Quebec.
Standard QC formula — no Montreal island surtax. Avg. home ~$270,000 → approx. $2,466.00 welcome tax. Consult a notary for exact obligations.
| 0.5% on first $52,800 | |
| 1.0% on $52,801–$264,000 | |
| 1.5% on $264,001–$528,000 | |
| 2.0% above $528,000 | |
| Total Droits de Mutation |
KOHO offers free banking with cash back on everyday purchases — popular with Quebecers who want to complement their Desjardins account with a no-fee Visa card.
KOHO Gratuit — Code 45ET55JSYA3.0% HISA, zero monthly fees, $100 welcome bonus with code 45ET55JSYA. Visa card accepted everywhere in Beauceville. CDIC-insured through Peoples Bank of Canada.
3.75% Savings Plus Account — Canada's highest no-fee savings rate. Ideal for building a down payment in Beauceville's ~$270,000 market. CDIC insured.
Quebec's dominant cooperative financial group with deep roots in Beauce. Strong mortgage products and local caisse network. Deposits insured by DPFQ.
Full-service personal and mortgage banking with a strong mobile app and wide ATM network. Serves Beauceville and Beauce residents. CDIC insured.
Headquartered in Montreal with deep Quebec market expertise. Competitive mortgage products for Beauce buyers. Strong online application. CDIC insured.
Comprehensive personal banking, mortgages, and investment products for Beauceville residents and buyers. Canada's largest bank. CDIC insured.
For a $270,000 home in Beauceville, the droits de mutation is approximately $2,466.00. No Montreal island surtax applies here. Quebec provides no first-time buyer exemption — all buyers pay the full welcome tax. Use our calculator above for your specific purchase price.