What are mortgage rates in Trois-Rivieres 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 Trois-Rivieres mortgages?
Every approved lender that serves Quebec appears on this page automatically.
Mortgage renewal in Trois-Rivieres
Trois-Rivieres 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 Trois-Rivieres
Refinance up to 80% of your Trois-Rivieres 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 Trois-Rivieres?
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 Trois-Rivieres today?
See the best bids table above; post your request for bids on your own file.
Is a Trois-Rivieres 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 Trois-Rivieres?
Yes, if private lenders or MICs serve Quebec. Each bid lists every fee.
Do I need a Trois-Rivieres mortgage broker?
Not to get bids. Brokerages bid alongside lenders.
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