Quebec Mortgage Rates

We have your best rates in Quebec.

Great News! True North Mortgage now offers brokerage services in Quebec, shopping several lenders and products on your behalf to simplify your process and find you the best mortgage savings.

We also offer exclusive access to our in-house, CMHC-approved lender, THINK Financial, for Canada's best mortgage rates, combined with flexible mortgage options.

Highly trained and salaried (non-commissioned), your expert True North broker helps ensure you get your best-possible rate (for which you qualify) and perfect mortgage fit. We offer a volume discount to lower your rate — sometimes from your own bank — while guiding you through a seamless and stress-free mortgage experience in your preferred language, including English and French.

Whether you're buying your first home, or your next one, or you need to renew or refinance — we offer exceptional service that can't be beat.

Read more: Can You Trust Rate Comparison Sites?

Hold your lower rate now.

In Quebec, mortgage interest rates can change quickly — it's hard to predict where rates may be in a few weeks or months.

The sooner you contact us, the sooner your expert True North Mortgage broker can help you determine whether you should hold your rates for up to 4 months (depending on the lender).

If a rate hold is what you need, you'll have peace of mind while you look for your home or investment, plus get great advice on everything from down payment strategies to the flexible mortgage options you need to save more.

We're here to help. Contact us today!

Come to our expert brokers for lower rates than your bank.

Going to a bank on your own means you're only getting the rate they want to offer, not the rate they could offer.

Instead, a highly trained True North Mortgage broker knows how to quickly find your best deal for your situation, whether at a big bank or another lender. With so many lenders and products available, shouldn't you have the mortgage that best fits your homeowning goals and financial details? It may not be at your bank.

Skip the one-size-fits-all mortgages and bank product upselling — and try True North's 5-star mortgage service. It's free and there's no obligation.

A few minutes with us could save you thousands in Quebec.

Read more: Posted vs Actual Rates

A province steeped in history: Quebec housing market slows, while affordability tightens.

In June 2026, Quebec posted a 4.3% drop in sales compared with the same month last year. Montreal contributed to the decline, down 8.2%, while Quebec City recorded a 11.6% increase in sales. (Data for other centres are not available.)

QC's average home price continued to rise in June, up 4.5% to $568,427 compared to the same month last year. Montreal and Quebec recorded 4.1% and 7.5% increases in average home prices, respectively. 

Despite a roughly 16% rise in new listings, the province is still rated a seller's market with a 61% SNLR (sales-to-new-listings ratio). 

Quebec's housing markets are likely showing signs of strain from U.S. trade disruptions, with the recent oil shock contributing to a cooling in some markets.

Source: CREA Monthly News Release

Read more:
Housing Stats
Housing Market Forecast (2026-2029)
Rate Forecast (2026-2030)