How much do you have to pay for a Quebec renovation project deposit?
- coraliefortin076
- Jun 12
- 5 min read
Updated: 4 hours ago

Are you planning to renovate your house, cottage, or garage? An essential step in your renovation process is paying the initial deposit. This amount, generally required by the contractor before work begins, raises many questions: How much should you pay for a Quebec renovation project deposit? What are your rights? What risks should you avoid?
At Plan Maison Québec, we support our clients every step of the way, from the design of the plans to the completion of the work. Here's everything you need to know before you reach for your wallet.
What is the purpose of the deposit in a renovation project?
The deposit represents a mutual commitment between the client and the contractor. It allows the latter to cover the initial costs associated with the project, such as purchasing materials or reserving a spot in the production schedule. For the client, it's a sign of seriousness that officially kicks off the project. That said, this step shouldn't be taken lightly: a poorly managed deposit can lead to financial or legal complications.

What is the recommended amount?
In Quebec, the most common recommendations suggest paying no more than 20 to 25% of the total project cost as a deposit. This percentage is considered reasonable and safe. It allows work to begin while limiting risks for the homeowner. A contractor who asks for more than this amount without specific justification should raise red flags.
Plan Maison Québec also recommends establishing a payment schedule spread throughout the project, rather than limiting yourself to a large initial payment.
The importance of good deals in deposit negotiation
The requested deposit is often proportional to the uncertainty surrounding the project. The more clearly defined a project is from the outset, the less safety margin the contractor will need. This is where Plan Maison Québec's expertise comes into play.
A precise, comprehensive renovation plan that complies with municipal standards reduces the risk of unforeseen adjustments. This not only allows for better cost control, but also allows for a fairer deposit negotiation, as the contractor knows exactly what to expect. A quality plan inspires confidence and professionalism.

Beware of excessively high deposits
Unfortunately, some owners find themselves paying 40%, 50%, or even 60% of the total cost of the work upon signing. These situations are dangerous. A contractor demanding such a large amount may lack cash flow or the necessary skills to run their business soundly.
A deposit that's too high also reduces your negotiating power once work begins. It becomes more difficult to enforce deadlines or correct errors. If you've already paid the majority, you're at the mercy of the contractor's goodwill.
How to Structure Payments Intelligently
Rather than paying a lump sum, you can agree on a payment schedule with the contractor. For example, a small deposit at signing, followed by progressive payments aligned with the progress of the work: one payment after delivery of the materials, another halfway through the project, and then the balance at the end.
This method reduces tension and protects your interests. The contractor, for their part, can plan their work and purchases without financial stress. Everything rests on a relationship of trust built on solid foundations.

What to check before making a deposit
Before making any payment, make sure you have a clear and detailed contract. It must precisely describe the work to be done, the materials used, the deadlines, costs, and payment terms. You must also ensure that the contractor is licensed by the Régie du bâtiment du Québec (RBQ) and has civil liability insurance.
A reliable contractor should be willing to provide you with references. You can also consult reviews on specialized platforms or check if they are recommended by trusted partners, such as those with whom Plan Maison Québec collaborates.
Also, prefer payments by card, wire transfer, or check: they leave a trail. Cash payments should be avoided unless you receive an official receipt.
Include the deposit in your overall budget
It's important to remember that the deposit is an integral part of your financial planning. Too often, homeowners underestimate the immediate impact of this expense, which can disrupt their cash flow at the start of the project. At Plan Maison Québec, we help our clients plan the entire renovation budget, from the initial deposit to permit costs and unforeseen expenses.
Proper planning also allows you to determine if certain portions of the project can be postponed, or if alternative materials can be considered without compromising quality.

Special cases: ecological or subsidized renovations
If your project includes work to improve your building's energy performance, such as adding insulation, replacing windows, or upgrading the heating system, you may be eligible for government grants.
In this case, certain conditions may govern the submission or dictate how the funds must be used. It is therefore essential to work with recognized partners. Plan Maison Québec designs plans that meet the criteria of programs such as Novoclimat or Rénoclimat, facilitating access to this financial assistance.

What to do if work does not start as planned?
Work may be delayed or even canceled after the deposit has been paid. In this type of situation, the contract becomes your best ally. Make sure it includes a start and completion date. A refund clause in the event of unjustified cancellation is also recommended.
If the contractor leaves you without any feedback or delays starting without a valid reason, you will then have a legal basis to recover your deposit. That's why it's important to have everything in writing from the start.
Support from Plan Maison Québec in your project
At Plan Maison Québec, our mission goes beyond designing plans. We are trusted partners at every stage of your project. Our experts help you:
understand the financial implications of a renovation project,
structure your payments,
choose reliable contractors,
protect yourself with detailed, industry-compliant plans, and
maximize your chances of obtaining government assistance.
Our field experience allows us to anticipate the most common pitfalls and guide our clients toward effective, humane, and safe solutions.

Conclusion: Quebec renovation project deposit
Submitting a renovation project is a key step that deserves careful consideration. If it's too expensive, it can become risky; if it's poorly structured, it can unbalance your budget. By being well-informed, demanding a clear contract, and, above all, surrounding yourself with professionals like Plan Maison Québec, you can avoid unpleasant surprises and start on a solid foundation.
Do you have a renovation or construction project in Quebec?
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