Skip to main content
Ratehub logo
Ratehub logo

Quebec Mortgage Brokers and Agents

To secure the best mortgage rates in Quebec, contact a mortgage broker or agent in your area. Using a local broker gives you the ability to meet in-person to discuss your needs and concerns and gives you access to the best mortgage rates offered by banks and lenders across Canada.

Get in touch with our mortgage agents today

  • No Results

Why get a Mortgage Broker?

Mortgage brokers can help in a number of ways, some advantages of using a broker are:

    • greater access to lenders, mortgage products and rates
    • the ability to compare mortgage rates without having your credit report being pulled multiple times (if you conducted your own comparison shopping, your credit report would be pulled once by each of the lenders you go to)
    • all negotiations are handled by the mortgage broker
    • greater flexibility when finding a time to meet with your broker in-person as mortgage brokers usually have extended hours
    • access to your mortgage broker’s in-depth industry knowledge
    • it is a free service; mortgage brokers are paid by the lender that provides your mortgage

OACIQ (Organisme d'Autoréglementation du Courtage Immobilier du Québec) 

The OACIQ ensures proper professional conduct and quality real estate and mortgage brokerage in Quebec. They ensure compliance and enforcement of the Real Estate Brokerage Act and are mandated by the Government of Quebec and report to the Minister of Finance. The OACIQ provides information and resources to the public to answer all questions with respect to real estate and mortgage brokerage issues through their website, email and telephone line.

Mortgage Broker Licensing in Quebec

To be a fully licensed mortgage broker in Quebec you must meet the education requirements at an OACIQ-recognized institution, fulfill the training requirements and pass your exam to receive an OACIQ practise license. All licensed mortgage brokers are listed and can be searched on the OACIQ website.

Other Professionals

During the process of searching and purchasing a new home, you will come in contact with a variety of professionals. Each has a designated role to help you in the buying process. Some professionals that you will deal with include realtors, home inspectors and real estate lawyers.

Realtors have access to home sales data and can help you find the right property and negotiate with the seller on your behalf. They are overseen by the Organisme d'autoréglementation du courtage immobilier du Québec (OACIQ). The OACIQ also provides both buyers and sellers with the necessary information to navigate the selling and purchasing of a home.

A home inspector will determine the condition of your property and what repairs and maintenance it requires. As provincial licensing is not mandated, when finding the right home inspector consult provincial associations such as the Quebec Association of Building Inspectors to find a qualified home inspector.

Real estate lawyers ensure your rights as a buyer are upheld while processing all legal documentation related to the purchase of the property.