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Find the best mortgage rate in Quebec City

We’ll find the best rates for you in less than 2 minutes.


Quebec City mortgage rates

Rates updated:

Toronto, ON

These are the best


mortgage rates for

buying a home
2 yearFixed

CanWise Financial

4,228 reviews

CanWise Financial

3 yearFixed

CanWise Financial

4,228 reviews

CanWise Financial

5 yearFixed

CanWise Financial

4,228 reviews

CanWise Financial

4 yearFixed

CanWise Financial

4,228 reviews

CanWise Financial

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Quebec City mortgage rates: Common questions

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Getting the best mortgage rates in Quebec City

As one of Quebec’s largest cities, Quebec City 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 Quebec City, 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 Quebec City +

Comparing the best mortgage rates in Quebec City

The comparison tables at the top of this page list the best mortgage rates available in Quebec City, 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 Quebec City lenders in under two minutes.


Quebec City closing costs

If you’re buying a home in Quebec City, 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 Quebec City 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 Quebec City. Learn more on our closing costs education center page.


Quebec City 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 Quebec City, 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 Quebec City are able to access the national first-time homebuyer programs. Be sure to check those out if you’re in this situation.

Author bio

Jamie David

Jamie David is the Business Director of Mortgages at A graduate of the Systems Design Engineering program at the University of Waterloo, she has over 15 years of business, marketing, and engineering experience in the financial technology, banking, education, energy and retail industries. She has worked in top organizations like TD Bank, Trading Pursuits, Petro-Canada, and the TTC. Her passion for personal finance, investing, education, and business strategy brought her to where she heads a very talented, cross-functional team that is dedicated to providing Canadians with the best mortgage experience all the way through from online search to (keys-in-your-hand) funded mortgage.

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About Ratehub

We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better.

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Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

How are CanWise Financial and connected?

Both and CanWise Financial are owned and operated by Ratehub Inc. When comparing mortgage rates on, you’ll see rates from a number of lenders and mortgage brokers, including CanWise Financial. All products are sorted according to the rates available to you and the selection criteria you’ve shared with us.

We’re happy to send users to CanWise because of their great rates, trusted advice, and experienced mortgage team. Read any of their 3,300 five-star Google and Facebook reviews and you’ll see what we mean.

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