Financial Institution

The responsibilities of notaries in Quebec are constantly growing, making their practice increasingly demanding. The COOP was founded with the goal of supporting notaries by reducing their administrative burden while keeping them at the heart of the case. This allows notaries to fully devote themselves to their true role: rigorously serving the public.

Our goal was also to modernize the refinancing process. In a highly competitive environment, it became essential to create a model capable of reducing costs for financial institutions and their clients, while protecting the integrity of the notarial profession.

The cooperative model represents, in our opinion, the most structured and equitable sharing economy vehicle to achieve this. It allows all interested notaries to receive files, and financial institutions to benefit from a uniform, compliant, and efficient service.

In addition, member notaries are co-owners of the COOP and participate in collective decisions during the general assembly, which no other business model allows.

Yes. The client can suggest a notary of their choice. If this notary is not yet a member of the COOP, we will provide them with all the necessary information so that they can quickly join and take charge of the file.

Processing times vary depending on the nature of the case and the time of year. On average, a standard refinancing file takes 9 to 15 business days to complete, though more complex cases may require additional time.

During peak season (April to mid-July), we recommend allowing for a longer turnaround time.

The COOP offers fixed, competitive pricing across the province. No hidden fees, you know what to expect from the start. To view the detailed schedule of rates and included services, contact us by email, phone, or directly through our website.

For most of our partners, once the disbursement request is made, OPCO Notaires inc., having received the contractual agreement, sends the invoice to the financial institution. The institution is required to pay it on behalf of the client, and the amount is debited directly from the client’s account. OPCO then provides the client with a copy of the duly paid invoice, along with an electronic copy of the original documents.

For more information, please feel free to contact us.

Yes. COOP members can offer remote appointments with electronic signatures, in accordance with the rules established by the Chambre des notaires du Québec.

This option is ideal for clients living in remote regions or facing travel constraints, while still ensuring rigorous, secure, and properly regulated service.

Our solution covers all procedures related to mortgage refinancing, including transfers from competing lenders. OPCO Notaires inc. takes care of:

• Requesting the disbursement from the new lender;

• Repaying the former loan (financial institution, private lender, or personal debts);

• As well as discharging the previous mortgage and drafting the mortgage discharge document.

Everything is handled in a centralized, efficient, and compliant manner, giving you peace of mind from start to finish.

Yes. OPCO Notaires Inc. handles the management of progressive disbursements, based on the needs of your project. Additional fees apply.

For a detailed schedule of prices and services offered, contact us by email, phone, or directly via our website.

Even though several parties are involved in processing the file, you have only one point of contact throughout the entire process: OPCO Notaires inc.

For any questions, simply email us, open a ticket through the website, or give us a call. We are here to support you from start to finish.