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's housing market slows as affordability tightens.

In August 2026, Quebec posted a 7.3% drop in home sales compared to this time last year. Montreal logged a 13.1% sales decline, while Quebec City increased by 6.3%. (Data for other centres were not available.)

The province's average home price continued to rise in August, up 3.6% year over year to $572,652. Montreal and Quebec City saw average prices rise 2.4% and 3.9%, respectively.

New listings rose by 12.7%, and the province remains a balanced market, with a 52% SNLR (sales-to-new-listings ratio). 

Quebec's housing markets are likely showing signs of strain from U.S. trade disruptions and elevated energy prices, which weigh on homeownership decisions in some markets.

Source: CREA Monthly News Release

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