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: 1.99%
- Minimum Mortgage $150,000
- 25 year amortization, High Ratio
- 10% lump sum payments allowed.
- 100% increase to regular payments
- No pre-approvals available.
Apply Now
Hold your rate
2 Year
Everyday Rate: 2.19%
- 30 year amortization maximum, 25 year on High Ratio
- 15% lump sum payments allowed.
- 100% increase to regular payments.
- pre-approvals available.
Limited Rate: 2.04%
- 30 year amortization maximum, 25 year on High Ratio
- 15% lump sum payments allowed.
- 100% increase to regular payments.
- No pre-approvals available.
Apply Now
Hold your rate
3 Year
Everyday Rate: 2.34%
- 30 year amortization maximum.
- 15% / 15%+ prepayment options.
Limited Rate: 2.15%
- 25 year amortization maximum.
- Insured deals
- 20% / 20%+ prepayment options.
Apply Now
Hold your rate
4 Year
Everyday Rate: 2.49%
- 30 year amortization maximum, 25 year on High Ratio
- 15% lump sum payments allowed.
- 15% increase to regular payments.
Limited Rate: 2.39%
- 30 year amortization maximum, 25 year on High Ratio
- 15% lump sum payments allowed.
- 100% increase to regular payments.
- Insured deals
Apply Now
Hold your rate
5 Year
Everyday Rate: 2.54%
- 30 year amortization and refinances available
- 15% lump sum payments allowed
- 15% increase to regular payments
Limited Rate: 2.24%
- 30 year amortization maximum, 25 year on High Ratio
- Insured deals
- 90 days rate hold
- 15% lump sum payments allowed
- 100% increase to regular payments
- No pre-approvals available.
Apply Now
Hold your rate
7 Year
Everyday Rate: 3.14%
- 30 year amortization maximum, 25 year on High Ratio
- 15% lump sum payments allowed.
- 15% increase to regular payments.
Limited Rate: 3.09%
- 30 year amortization maximum, 25 year on High Ratio
- 15% lump sum payments allowed.
- 15% increase to regular payments.
Apply Now
Hold your rate
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+
Apply Now
Hold your rate
Variable Mortgages - Closed
Term
Everyday Rate
Limited Rate
5 Year
Everyday Rate: 2.20%
- Prime - 0.50%
- 15% lump sum payments allowed.
- 15%+ increase to regular payments.
Limited Rate: 1.80%
- Prime - 0.90%
- Must close within 90 days of approval
- Must be CMHC high ratio
- Not available on rental properties
- 15% / 100% prepayment options.
- No pre-approvals available.
Apply Now
Hold your rate
Variable Mortgages - Open
Term
Everyday Rate
Limited Rate
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