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In Quebec, undertaking a real estate project—whether building a new home, replacing a roof after harsh winters, or undertaking a major renovation on a heritage plex—represents a significant investment. However, many homeowners are unaware that unpaid debts owed by their general contractor to certain project participants can result in a legal hypothec (construction lien) being registered against their property.

Undertaking renovation work—whether it involves replacing a roof to withstand harsh winters, finishing a basement, or completely renovating a century-old plex—requires a major financial investment. According to the Association des professionnels de la construction et de l’habitation du Québec (APCHQ), in Quebec, where residential renovation spending regularly exceeds $15 billion per year, payment management remains a top source of disputes between homeowners and contractors.

Renovating a kitchen, finishing a basement, or replacing a roof can represent a major financial investment. When reviewing a quote, one question often plagues homeowners across Canada: How much should you pay upfront?