Home appraiser in Quebec: chartered appraiser or real estate broker, which one you need and what it costs

Evaluating · Appraiser or broker · September 14, 2026

Chartered appraiser or broker: which one you need for your situation, what each costs, and what neither does.

In Quebec, "home appraiser" designates two professionals: the chartered appraiser, an OEAQ member, who produces a paid formal report (a few hundred dollars) required by a lender, a separation, an estate, a roll contestation or a dispute; and the real estate broker, who produces for free a comparative market analysis based on comparable closed sales, to set a selling price or build an offer. Neither uses the municipal roll as a value. The Loaa and Manseur team does the comparative evaluation on site, for free and without obligation.

Two professions, two documents, two uses

In Quebec, "home appraiser" covers two realities. The chartered appraiser is a member of the Ordre des évaluateurs agréés du Québec (OEAQ); they produce a formal, signed, enforceable, paid appraisal report. The real estate broker produces a comparative market analysis (CMA): the comparable closed sales of the last twelve months, adjusted, to set a selling or buying price; it is free and without obligation, because the broker is paid at the sale. Both start from the same sales; they do not serve the same purpose.

When you need a chartered appraiser

• The lender requires it: refinancing, home equity line of credit, purchase of an atypical property, self-build; the bank often orders the appraisal itself, sometimes at your expense.
• A separation or an estate: dividing the family patrimony or an estate requires a value at a given date, signed by an independent professional.
• Contesting the municipal roll: the review request relies on a report; our assessment roll guide explains the deadlines.
• A dispute (latent defect, expropriation, capital gains tax): the court or the tax authority wants a formal report.

Cost: a few hundred dollars for an ordinary residence, more for a complex property; two days to two weeks. You choose the appraiser from the OEAQ directory.

When the broker's evaluation is enough

• Setting the selling price: by far the most frequent case; the CMA gives a range and the starting-price strategy.
• Knowing what your house is worth before a project (selling and buying again, renovating, retiring).
• Building an offer to purchase: the buyer's broker pulls the comparables so you do not pay the top.

Our free home evaluation is done on site, with the closed sales of your street; our home value near me page explains why automated tools get it wrong in Quebec (selling prices are not public).

What neither of them does

Neither uses the municipal roll as a value: it is a dated tax value. Neither guesses the hidden condition of the house: that is what the inspection is for. And no serious number comes out of a 30-second online form.

Frequently asked questions

Our proof, not our promises

The Loaa & Manseur team, led by Lotfi Manseur and Loaa Al Daow, is the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 of large residential teams according to the official RE/MAX ranking, computed on actual transactions. Its Google profile counts more than 220 reviews with a 4.9 rating. Its offices are at 55 avenue de l'Équinoxe in Brossard, one bridge from the island, and every broker's licence can be checked in the OACIQ public register. Three things to verify yourself before calling us, and to demand of any other broker.

Also available in French: version française de ce guide.

Published September 7, 2026 by the Loaa & Manseur team, the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 according to the official RE/MAX ranking. Tell us about your project.