What are mortgage rates in Quebec City today?
| Term | Rate | Lender type | Shelf / note | Payment on $400,000 |
|---|---|---|---|---|
| 5-year fixed | 4.04% | Credit union | uninsured | $2,113/mo |
| 5-year variable | 3.70% | Brokerage | prime − 0.75% | $2,046/mo |
| 3-year fixed | 4.19% | Monoline | uninsured | $2,145/mo |
| HELOC | 4.95% | Bank | prime + 0.50% | — |
Payments on a $400,000 mortgage, 25-year amortization, fixed rates compounded semi-annually. Prime 4.45% (Bank of Canada policy rate 2.25%), October 7, 2026.
Who bids on Quebec City mortgages?
Every approved lender that serves Quebec appears on this page automatically.
Licensed mortgage brokers bid alongside banks, credit unions and private lenders on MortgageBids.ca. One broker bid can tap dozens of lenders, and on most prime mortgages the lender pays the broker, not you. Why use a mortgage broker · Get broker and lender bids
Mortgage renewal in Quebec City
Quebec City homeowners can switch lenders at maturity with no penalty. Start 120 days early and challenge your renewal rate; on a $412,000 balance, a bid 0.85% lower saves about $194 a month.
Refinance and HELOC in Quebec City
Refinance up to 80% of your Quebec City home's value, or open a HELOC up to 65%. Compare both with the refinance calculator and HELOC calculator.
What does it cost to buy in Quebec City?
Quebec charges transfer duties, often called the welcome tax. For 2026 the standard brackets are 0.5% up to $62,900, 1% up to $315,000 and 1.5% above, with higher brackets in Montreal.
| Item | Amount |
|---|---|
| Total transfer tax / registration fees | $7,110 |
Before first-time buyer rebates. Rules checked October 7, 2026.
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Frequently asked questions
What are mortgage rates in Quebec City today?
See the best bids table above; post your request for bids on your own file.
Is a Quebec City mortgage renewal different from other cities?
The process is the same; which lenders serve the area and the property type matter more than the city.
Can I get a private mortgage in Quebec City?
Yes, if private lenders or MICs serve Quebec. Each bid lists every fee.
Do I need a Quebec City mortgage broker?
Not to get bids. Brokerages bid alongside lenders.
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Get mortgage bids in Quebec City
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