Best Mortgage Rates in Quebec
Our lowest potential five-year fixed for an insured Quebec file is 3.99%. Rates are set nationally; what changes across a provincial border is the cost of closing.
Which shelf are you actually shopping? Enter the numbers and we will filter the board to the rates you can really get.
Loan-to-value 80.0% · insurable
Lenders ask our rates only be disclosed to potential borrowers.
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| Lender | Term | Category | Rate | APR | |
|---|---|---|---|---|---|
| Insurable lender Sign in to see the lender | 1 yr fixed | Insurable ≤80% | 4.19% | — | Get this rate |
| Insured lender Sign in to see the lender | 1 yr fixed | Insured | 4.49% | — | Get this rate |
| Sign in to reveal | 1 yr fixed | Insurable ≤80% | 4.49% | — | Get this rate |
| Sign in to reveal | 1 yr fixed | Insurable ≤80% | 4.49% | — | Get this rate |
| Sign in to reveal | 1 yr fixed | Insured | 4.49% | — | Get this rate |
| Sign in to reveal | 1 yr fixed | Insured | 4.59% | — | Get this rate |
| Insurable lender Sign in to see the lender | 1 yr variablePrime + 0.00% | Insurable ≤80% | 4.95% | — | Get this rate |
| Insured lender Sign in to see the lender | 2 yr fixed | Insured | 3.99% | — | Get this rate |
| Sign in to reveal | 2 yr fixed | Insured | 4.19% | — | Get this rate |
| Insurable lender Sign in to see the lender | 2 yr fixed | Insurable ≤80% | 4.31% | — | Get this rate |
| Sign in to reveal | 2 yr fixed | Insurable ≤65% | 4.31% | — | Get this rate |
| Sign in to reveal | 2 yr fixed | Insurable ≤80% | 4.34% | — | Get this rate |
| Sign in to reveal | 2 yr fixed | Insured | 4.44% | — | Get this rate |
| Exclusive Lender Exclusive | 3 yr fixed | Insured | 3.89% | — | Get this rate |
| Exclusive Lender Exclusive | 3 yr fixed | Insurable ≤80% | 3.99% | — | Get this rate |
| Sign in to reveal | 3 yr fixed | Insured | 3.99% | — | Get this rate |
| Sign in to reveal | 3 yr fixed | Insured | 3.99% | — | Get this rate |
| Sign in to reveal | 3 yr fixed | Insurable ≤80% | 4.09% | — | Get this rate |
| Sign in to reveal | 3 yr fixed | Insurable ≤80% | 4.14% | — | Get this rate |
| Insured lender Sign in to see the lender | 3 yr variablePrime − 1.40% | Insured | 3.55% | — | Get this rate |
| Sign in to reveal | 3 yr variablePrime − 1.05% | Insured | 3.90% | — | Get this rate |
| Sign in to reveal | 3 yr variablePrime − 1.05% | Insured | 3.90% | — | Get this rate |
| Insurable lender Sign in to see the lender | 3 yr variablePrime − 1.00% | Insurable ≤65% | 3.95% | — | Get this rate |
| Sign in to reveal | 3 yr variablePrime − 1.00% | Insurable ≤65% | 3.95% | — | Get this rate |
| Sign in to reveal | 3 yr variablePrime − 0.93% | Insurable ≤80% | 4.02% | — | Get this rate |
| Exclusive Lender Exclusive | 4 yr fixed | Insured | 4.04% | — | Get this rate |
| Sign in to reveal | 4 yr fixed | Insured | 4.14% | — | Get this rate |
| Sign in to reveal | 4 yr fixed | Insured | 4.24% | — | Get this rate |
| Exclusive Lender Exclusive | 4 yr fixed | Insurable ≤80% | 4.29% | — | Get this rate |
| Sign in to reveal | 4 yr fixed | Insurable ≤80% | 4.39% | — | Get this rate |
| Sign in to reveal | 4 yr fixed | Insurable ≤80% | 4.44% | — | Get this rate |
| Exclusive Lender Exclusive | 5 yr fixed | Insured | 3.99% | — | Get this rate |
| Exclusive Lender Exclusive | 5 yr fixed | Insurable ≤80% | 4.09% | — | Get this rate |
| Sign in to reveal | 5 yr fixed | Insured | 4.09% | — | Get this rate |
| Sign in to reveal | 5 yr fixed | Insured | 4.14% | — | Get this rate |
| Sign in to reveal | 5 yr fixed | Insurable ≤80% | 4.19% | — | Get this rate |
| Sign in to reveal | 5 yr fixed | Insurable ≤80% | 4.29% | — | Get this rate |
| Exclusive Lender Exclusive | 5 yr variablePrime − 1.55% | Insured | 3.40% | — | Get this rate |
| Exclusive Lender Exclusive | 5 yr variablePrime − 1.55% | Insurable ≤65% | 3.40% | — | Get this rate |
| Sign in to reveal | 5 yr variablePrime − 1.45% | Insured | 3.50% | — | Get this rate |
| Sign in to reveal | 5 yr variablePrime − 1.45% | Insured | 3.50% | — | Get this rate |
| Sign in to reveal | 5 yr variablePrime − 1.45% | Insurable ≤65% | 3.50% | — | Get this rate |
| Sign in to reveal | 5 yr variablePrime − 1.35% | Insurable ≤70% | 3.60% | — | Get this rate |
| Exclusive Lender Exclusive | 7 yr fixed | Insured | 4.39% | — | Get this rate |
| Sign in to reveal | 7 yr fixed | Insured | 4.49% | — | Get this rate |
| Exclusive Lender Exclusive | 7 yr fixed | Insurable ≤80% | 4.99% | — | Get this rate |
| Sign in to reveal | 7 yr fixed | Insured | 5.00% | — | Get this rate |
| Sign in to reveal | 7 yr fixed | Insurable ≤80% | 5.09% | — | Get this rate |
| Sign in to reveal | 7 yr fixed | Insurable ≤80% | 5.29% | — | Get this rate |
| Exclusive Lender Exclusive | 10 yr fixed | Insurable ≤80% | 5.29% | — | Get this rate |
| Exclusive Lender Exclusive | 10 yr fixed | Insured | 5.30% | — | Get this rate |
| Sign in to reveal | 10 yr fixed | Insurable ≤80% | 5.39% | — | Get this rate |
| Sign in to reveal | 10 yr fixed | Insurable ≤65% | 5.39% | — | Get this rate |
| Sign in to reveal | 10 yr fixed | Insured | 5.40% | — | Get this rate |
| Sign in to reveal | 10 yr fixed | Insured | 5.44% | — | Get this rate |
No rates match that combination. Widen the filters — and remember the board is what we could verify this week, not every rate that exists.
Please Note: Some conditions may apply. Rates may vary from Province to Province. Rates are subject to change without notice. Posted rates may be high ratio and/or quick close, which differs from conventional rates. The mortgage rates are provided as guidance only, and the accuracy of these rates is not guaranteed. The rate provided by any financial institution listed, or any approval or decline you receive, will be based solely on your personal situation. You are strongly encouraged to speak with a licensed mortgage professional for the most accurate information and determine your eligibility.
Rates are the lowest we have collected for each combination and are not an offer or a commitment to lend by anyone. Every payment on this site uses semi-annual compounding, the Canadian standard.
What Quebec actually changes
Quebec charges 9.975% QST on the default-insurance premium, payable at closing.
Land transfer tax
The largest closing cost, due in cash.
Closing costs
Everything you need on the day.
Markets in Quebec
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Questions
Are mortgage rates different in Quebec?
Barely. Rates are set nationally by lenders, and the differences you see between provinces come from which lenders operate where, not from the province itself. What genuinely differs by province is the cost of closing — land transfer tax, sales tax on the insurance premium, and legal convention.
Which lenders operate in Quebec?
Most lenders we track. Quebec is the one real exception — several monolines do not lend there, and the notarial system changes the closing process. See the directory →
What does it cost to close in Quebec?
That is the part that really varies. See the Quebec closing cost breakdown, and the land transfer tax calculator for the largest single line.
The math is free. Acting on it is the point.
When you are ready to do something with these numbers, we will introduce you to a licensed broker who can put the file in front of lenders. Nothing here obliges you to.
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