Financing · The real math

The price you see is the price you finance.

The figure shown covers the home, the land, the foundation, the hookups, transport and taxes. You finance it like any new home, and it is all arranged in the same place you buy.

See all-in pricingTalk to Modulabs
$50,000GST rebateUp to $50,000 for a first-time buyer, credited at closing.
16 → 1One file, not sixteenSixteen parties replaced by a single transaction.
30%Up to 30% savingsOn the home, versus a comparable traditional build.

The real math

What the price includes, and what comes off it.

The all-in price covers the home, the land, the foundation, the hookups, transport and taxes. Then, if you are a first-time buyer, the GST comes off at closing.

up to $50,000

of GST rebated for a first-time buyer: the tax is removed in full up to $1M, then on a sliding scale to $1.5M. The agreement must be signed before January 1, 2031, and the amount is credited at closing through form GST190.

Modulabs home, model priceup to 30% less
Comparable traditional constructionfull market price

Pricing

Three homes, one all-in price per lot.

The amounts below cover the home. Choose your lot in the configurator and the all-in price appears: land, foundation, hookups, transport and taxes included. That is the figure you buy.

Luma 1 Eco

from $140,000

A first home, thoughtfully designed down to the square foot: efficient, urban, livable the day you get the keys.

  • 937 sq ft, 1 bedroom, 1 bathroom
  • Open concept, every space optimized
  • Lot verified before you buy: zoning, servicing, delivery access
  • CSA and RBQ standards
Configure and buy
Family size

Luma 2 Family

from $212,000

The ideal home for a family ready to settle in for the long term, with no compromise on comfort.

  • 1,179 sq ft, 3 bedrooms, 2 bathrooms
  • R-45 insulation, made for Quebec winters
  • 10-year structural warranty
  • Possession date written before you buy
Configure and buy

Luma 3 Executive

$269,990 / the home

Four bedrooms, a primary suite, and high-end finishes, for those who accept nothing short of excellence.

  • 1,397 sq ft, 4 bedrooms, 2 bathrooms
  • Primary suite and premium finishes
  • 10-year structural warranty
  • 30 days of assembly on your lot
Configure and buy

$50,000GST rebated, first-time buyer (up to)
30 %Savings vs traditional (up to)
30 dAssembled on your lot
10 yrsStructural warranty

Financing

Your money questions, honest answers.

What is included, what is rebated to you, who pays what and when. No grey areas on the numbers.

Does the price shown include the land?
Yes. The all-in price covers the home, the land, the foundation, the hookups, transport and taxes. It appears once you pick your lot in the configurator, because the lot is what determines the rest. Nothing gets added afterwards.
How does the first-time buyer GST rebate work?
If you are a first-time buyer, GST is removed in full on a new home up to $1M, then on a sliding scale to $1.5M, for a maximum of $50,000. The agreement must be signed before January 1, 2031. The amount is credited at closing through form GST190, so you do not front the money and claim it back later.
Can I finance a modular home with a mortgage?
Yes. A Modulabs home is financed like any new home. It is CAN/CSA-A277 certified, meets CSA and RBQ standards, its plans are signed by an engineer (OIQ), its structure carries a 10-year warranty, and the file is optimized for CMHC requirements. Those are exactly the benchmarks your lender asks for.
The factory has to be paid before the home is on the land. Who handles that gap?
We do. This is where a modular purchase usually derails: the deposit goes to the factory before there is anything on the land to mortgage. That timing is settled inside the transaction, in the same contract as everything else. You do not have to solve it yourself.
How many parties do I have to coordinate?
One. Buying a new home in Quebec normally means coordinating sixteen of them and repeating the same information fifteen times: mortgage broker, lender, home insurer, mortgage insurer, notary, municipality, land surveyor, and on it goes. Here it is all arranged in the same place you buy. What remains is one notary appointment, remote when yours accepts it.