Best Gatineau mortgage rates
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Jamie David, Director of Marketing and Mortgages
As one of Quebec’s largest cities, Gatineau has a bustling housing market, which results in high demand for mortgages. That's great for prospective homebuyers, as more competition between mortgage providers generally results in lower rates.
If you’re looking to take out a mortgage in Gatineau, one of the best things you can do is to compare rates from multiple lenders, to take full advantage of this competition!
Best mortgage rates in Gatineau +
Comparing the best mortgage rates in Gatineau
The comparison tables at the top of this page list the best mortgage rates available in Gatineau, up to the minute. Comparing rates between multiple providers and mortgage brokers is the best thing you can do to get the lowest rate possible.
Of course, your personal rate may be different from the rates listed above. The rate you're eligible for can change based on things like your down payment, the price of the house, your credit score, which lender you choose, as well as what the property is being used for.
Luckily, you can get personalized quotes for mortgage rates without filling in a full mortgage application. Use the tools at the top of this page and we’ll provide you with personalized mortgage quotes from Gatineau lenders in under two minutes.
Mortgages in Gatineau vs Ottawa
It's important to remember that while Gatineau and Ottawa are united as one greater metropolitan area, they lie in separate provinces with very different regulations around mortgages and property purchases. If you're considering buying in either Gatineau or Ottawa, then you'll need to understand the costs associated with buying in both cities.
Read on to learn more about mortgages in Gatineau, then head to our mortgage rates Ottawa page to learn more about getting a mortgage across the river.
Gatineau closing costs
If you’re buying a home in Gatineau, be sure to factor in the relevant closing costs. Some closing costs can be added to your mortgage and paid off over time, but others need to be paid in cash upfront. Be sure to remember this when you set your savings goals.
- Provincial Land Transfer Tax: The Quebec provincial government will charge a land transfer tax on top of your property purchase price. The marginal land transfer tax rate for Gatineau is 0.5% - 1.5% depending on the purchase price. Learn more here.
- CMHC Insurance (and PST): If you take out an insured mortgage, you’ll need to pay for mortgage default insurance, also called CMHC insurance. While the premiums can be added to your mortgage, the provincial sales tax (PST) on those premiums needs to be paid upfront. In Quebec, premiums are subject to a 9% tax.
- Legal Fees: Any property purchase will require some legal documents to be processed by a Quebec licensed real estate lawyer. Fees for this are generally in the hundreds or low thousands of dollars.
- Adjustment fees: You may need to reimburse the seller for any prepaid utilities, maintenance, or taxes on the home.
These are just some of the closing costs you’ll pay when buying a home in Gatineau. Learn more on our closing costs education center page.
Gatineau first-time homebuyer rebates
Unlike other provinces including BC and Ontario, Quebec does not have a first-time homebuyers land transfer tax rebate. This is especially unfortunate for first-time homebuyers in Gatineau, which has relatively high land transfer tax rates.
There is, however, an additional first-time homebuyers tax credit available in Quebec. Alongside the maximum $750 first-time homebuyer federal tax credit, Quebec residents can claim an additional $750 maximum credit in the year they first purchase a home.
In addition to this, first-time homebuyers in Gatineau are able to access the national first-time homebuyer programs. Be sure to check those out if you’re in this situation.
Jamie David, Director of Marketing and Head of Mortgages
Jamie has 15+ years of business and marketing experience. She contributes her mortgage expertise to The Globe and Mail and authors Ratehub’s mortgage and homebuying guides. read more
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