QTQuebecTaux
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Compare before
you sign.

Don’t take the first offer from your bank or credit union. The rates and fees listed here show their institution, their source and the date we checked them, and a calculator turns the gap into dollars on your budget.

I’m buying or renewingAnother project
Neither? How we check rates, and who pays us
15
calculators
200
guides
0
forms to fill
Plexes with outdoor staircases on Saint-Denis Street in Montreal
A corner store in Montreal
$450,000 · 25 years$2,682per month at 5.25% · example
The front steps of a Quebec City home on a winter evening
Downtown Montreal seen from Mount Royal
The platform at McGill station in the Montreal metro

What are you planning?

Pick your situation
A heritage house in Quebec City in autumn
P-01Buy a homeDown payment, qualifying rate, payment: the numbers before you make an offer.
A stone house under snow near Quebec City
P-02Insure the house and the car
The front steps of a Quebec City home on a winter evening
P-03Choose my life insurance
Atwater Market in Montreal
P-04Pick my credit card
The Desjardins credit union in Papineauville
P-05Pay less in account fees
An office tower in downtown Montreal
P-06Save and investGIC, TFSA, RRSP or FHSA: where to put the money depending on the goal, and which online broker to pick.

Posted mortgage rates in Quebec

LenderTermPosted rateSourceChecked on
Banque du Canada1 an fixe (taux affiché moyen)5.49%www.banqueducanada.ca2026-09-09
Desjardins1 an fixe fermé5.49%www.desjardins.com2026-09-15
Desjardins2 ans fixe fermé5.59%www.desjardins.com2026-09-15
Desjardins3 ans fixe fermé6.04%www.desjardins.com2026-09-15
Banque du Canada3 ans fixe (taux affiché moyen)6.05%www.banqueducanada.ca2026-09-09
Desjardins4 ans fixe fermé6.09%www.desjardins.com2026-09-15
Banque du Canada5 ans fixe (taux affiché moyen)6.09%www.banqueducanada.ca2026-09-09
Desjardins5 ans fixe fermé6.14%www.desjardins.com2026-09-15
Desjardins7 ans fixe fermé6.39%www.desjardins.com2026-09-15
Desjardins10 ans fixe fermé6.89%www.desjardins.com2026-09-15
Every rate shows its lender, source and check dateA posted rate is negotiable: ask for the gapWe say who pays us

What the notary will bill you

Transfer tax by city

On a home at the city’s reference price. The scale changes from one municipality to the next — Montreal applies its own.

Montréal$8,392on $650,000
Laval$6,404on $550,000
Québec$4,454on $420,000
Gatineau$4,904on $450,000
Sherbrooke$3,854on $380,000
Granby$4,904on $450,000
Longueuil$5,954on $520,000
Brossard$7,454on $620,000
Boucherville$8,354on $680,000
Terrebonne$5,204on $470,000
Saint-Jérôme$4,454on $420,000
Trois-Rivières$3,254on $340,000
Drummondville$3,104on $330,000
Saint-Hyacinthe$3,554on $360,000
Lévis$4,154on $400,000

The guides

All articles
200 articles
A Plateau Mont-Royal street lined with plexes and outdoor staircases
Mortgages

Build a Budget Before Buying a First Home in Quebec

A practical method for connecting the down payment, transaction costs, mortgage payment and monthly margin before home visits begin.

Grey stone row houses in Montreal
Mortgages

Down Payment Sources and the Records Buyers Should Keep

How to organize savings, gifts and registered-account withdrawals so the down payment for a Quebec purchase has a clear documentary trail.

Montreal houses after a snowstorm
Mortgages

Insured or Conventional Mortgage: Understand the Difference

A comparison of mortgage loan insurance, the amount financed, applicable criteria and the costs buyers should verify before choosing.

An old brick house with a porch, in Quebec
Mortgages

Fixed or Variable Mortgage: Compare Risk Beyond the Posted Rate

A method for comparing payment stability, principal reduction, penalties and budget capacity before selecting a mortgage rate structure.