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Please Note: Rates are only valid where subject property is located.

Quebec Mortgage Rates

Our lower rates help you save.

The outlook for the Quebec housing market remains cautiously optimistic as it rebounds from sluggish economic and employment growth in recent years. With an improving resale market on the horizon, interest rates remain a factor in home-buying and investment decisions.

Our lower current mortgage rates in Quebec help you save more money on your major investment. Your True North Mortgage broker checks with all accredited lenders, and lowers your mortgage rate with our volume discount. Plus, our exceptional, unified service will find the best mortgage solution for your needs.

Hold your low rate, protect against increases.

Quebec mortgage interest rates aren’t static—depending on the lender, we can hold your low current mortgage rates for up to four months. When you’re ready, we’ll help make the process stress-free, whether a home, vacation or income property. Visit us, call or apply online today.

Fixed Mortgages - Closed

Term

Everyday Rate

Limited Rate

1 Year

Everyday Rate: 2.54%

  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 15% increase to regular payments

Limited Rate: 2.24%

  • Minimum Mortgage $150,000
  • 30 year amortization maximum, 25 year on High Ratio
  • 10% lump sum payments allowed.
  • 100% increase to regular payments
  • No pre-approvals available.
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2 Year

Everyday Rate: 2.34%

  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 100% increase to regular payments.
  • pre-approvals available.

Limited Rate: 2.14%

  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 100% increase to regular payments.
  • No pre-approvals available.
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3 Year

Everyday Rate: 2.39%

  • 30 year amortization maximum.
  • 15% / 15%+ prepayment options.

 

Limited Rate: 2.29%

  • 30 year amortization maximum.
  • 20% / 20%+ prepayment options.
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4 Year

Everyday Rate: 2.59%

  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 15% increase to regular payments. 

Limited Rate: 2.44%

  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 100% increase to regular payments.
  • Insured deals
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5 Year

Everyday Rate: 2.64%

  • 30 year amortization and refinances available
  • 15% lump sum payments allowed
  • 15% increase to regular payments

Limited Rate: 2.49%

  • 30 year amortization maximum, 25 year on High Ratio
  • 90 days rate hold
  • 15% lump sum payments allowed
  • 100% increase to regular payments
  • No pre-approvals available.
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Hold your rate

7 Year

Everyday Rate: 3.24%

  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.

Limited Rate: 3.19%

  • 30 year amortization maximum, 25 year on High Ratio
  • 15% lump sum payments allowed.
  • 15% increase to regular payments.
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10 Year

Everyday Rate: 3.69%

  • 30 year amortization maximum.
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.
  • Pre-approvals not available at this rate

Limited Rate: 3.54%

  • 30 year amortization maximum.
  • 15%+ lump sum payments allowed.
  • 15%+ increase to regular payments.
  • Pre-approvals not available at this rate
  • $200,000+
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Variable Mortgages - Closed

Term

Everyday Rate

Limited Rate

5 Year

Everyday Rate: 2.30%

  • Prime - 0.40%
  • 15% lump sum payments allowed.
  • 15%+ increase to regular payments. 

Limited Rate: 1.90%

  • Prime - 0.70%
  • Must close within 120 days of approval
  • Must be CMHC high ratio
  • Not available on rental properties
  • 15% / 100% prepayment options. 
  • No pre-approvals available.
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Variable Mortgages - Open

Term

Everyday Rate

Limited Rate

HELOC

Everyday Rate: 3.20%

  • Prime +0.50%

Limited Rate: --

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