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Find the best mortgage rate in Quebec City

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Best Quebec City mortgage rates

The rate table shows 5-year fixed mortgage rates in Quebec City. To compare other rate types and terms, click on the filters icon beside the down payment percentage.

As of:


Big 6 Bank


Trust Company


RBC Royal Bank







A Ratehub Company


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 centre 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.

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 full bio

Want to learn more? Check out our comprehensive education centre


Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place. has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada. 

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We own and operate a mortgage brokerage, (formerly known as CanWise Financial), and are compensated for mortgages funded through our brokerage. Ratehub Inc. o/a & CanWise is a licensed mortgage brokerage and CMHC-approved lender. When comparing mortgage rates on, you’ll see rates from a number of lenders, including CanWise. All products are sorted according to the rates available to you and the selection criteria you’ve shared with us. Both and CanWise are owned and operated by Ratehub Inc.

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