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Mortgages Quebec - Compare Providers
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 Spring Financial Personal Loan | $500 – $35,000 | 9.99% – 34.95% | 6 – 84 months | Learn more |
 easyfinancial Personal Loan (Unsecured) | $500 – $150,000 | 9.99% – 34.95% | 9 - 240 months | Learn more |
 Fairstone Financial Unsecured Personal Loan | Up to $50,000† | 19.99% – 34.99%* | 6 – 120 months | Learn more |
 MDG Cash Installment Loan | Up to $20,000 | 19.8% – 34.99% | 36 – 85 months | Learn more |
 LoanMeNow Personal Loan | $500 – $1000 | Up to 32% | 3 months | Learn more |
 Green Loans Personal Loan | Up to $1,000 | Up to 35% | Not listed | Learn more |
 goPeer Personal Loan | $1,000 – $35,000 | 8.99% – 34.99% | 36 or 60 months | Learn more |
 LendCare Installment Loan | $500 – $15,000 | 9.9% – 29.9% | 12 – 60 months | Learn more |
 Ledn Bitcoin-Backed Loan | $1,000 – $1,000,000 | 10.4% | 12 months | Learn more |
 Windmill Microlending Professional development loans | $15,000 | 6.7% | Up to 60 months | Learn more |
 514 Loans Personal Loan | $300 – $3000 | 22% – 32% | 3 – 4 months | Learn more |
 DMO Crédit Personal Loan | $300 – $1,000 | 28% – 35% | 90 days – 16 weeks | Learn more |
 Fina Capitale Unsecured Personal Loan | $3,000 – $15,000 | 13.99% – 34.99% | 12 – 60 months | Learn more |
 Cash Depot Short-Term Loan | $300 – $3000 | 18% + fees | 6 months | Learn more |
 Financeit Personal Loans | $500 – $100,000 | Starting at 12.99% | Up to 60 months | Learn more |
 SimplyBorrowed Personal Installment Loan | $1,500 – $10,000 | Not listed | 12 – 60 months | Learn more |
 Credit Matik Personal Loan | $500 – $1,500 | 18.99% | 3 – 6 months | Learn more |
 Lamina Personal Loan | $300 – $1500 | Starting at 18% | 3 – 7 months | Learn more |
 Credit2Go Short Term Loan | $250 – $1,500 | 23.99% – 29.99% | 3 – 4 months | Learn more |
 LM Financial Personal Loan | Up to $15,000 | Not listed | Not listed | Learn more |
 Iceberg Finance Personal Loans | $1,000 – $35,000 | 12.99% – 29.99% | 12 – 84 months | Learn more |
 FlexMoney Installment Loan | $500 – $15,000 | Starting at 18.9% | 6 – 60 months | Learn more |
 Deposit My Cash Now Micro Loan | $300 – $3000 (first-time clients can receive up to $1,000) | 18% + fees | 6 months | Learn more |
 My Next Pay Micro Loan | $300 – $3000 (first-time clients can receive up to $1,000) | 18% + fees | 6 months | Learn more |
 Northstar Brokers Micro Loan | $300 – $3000 (first-time clients can receive up to $1,000) | 18% + fees | 6 months | Learn more |
 City Lending Centers (CLC) Micro Loan | $150 – $1,600 | 10 – 35% | 3 – 6 months | Learn more |
 Alterfina Cash Advance | $500 – $2,500 | 18.99% | Not listed | Learn more |
 APX Lending Crypto-Backed Loan | $10,000; no maximums | Not listed | 3 - 60 months | Learn more |
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 North’n Loans Payday Loans | $100 – $1,500 | $14 per $100 | Not listed | Learn more |
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 Nyble Line Of Credit | $30 – $250 | 0% | Not listed | Learn more |
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 Canada Drives Car Loan | Up to $100,000 | 3.99% - 19.9% | 24 -96 months | Learn more |
| easyfinancial Car Loan | $500 – $150,000 | 9.99% – 34.95% | 9 - 240 months | Learn more |
 Car Loans Canada Car Loan | Not listed | Up to 29.99% | 12 – 96 months | Learn more |
| Fairstone Financial Car Loan | Up to $50,000† | 19.99% – 34.99%* | 6 – 120 months | Learn more |
 Auto Credit Deals Car Loan | $5,000 – $75,000 | Not listed | 12 – 96 months | Learn more |
| LendCare Car Loan | Up to $50,000 | Not listed | Up to 60 months | Learn more |
 Carloans411 Auto Loan | Not listed | Not listed | 12 – 84 months | Learn more |
 2nd Chance Automotive Car Loan | Not listed | Starting at 4.2% | Not listed | Learn more |
 Royal Bank of Canada (RBC) Auto Loan | Starting $7,500 | Not listed | 12 – 96 months | Learn more |
| Min $7,500 | Not listed | 12 – 96 months | Learn more | |
 Desjardins Auto Loan | $7,500 + | Not listed | 6 – 96 months | Learn more |
 Auto Capital Canada Car Loan | Not listed | Not listed | Not listed | Learn more |
 Canada Auto Finance Auto Loans | $5,000 – $45,000 | 4.90 % – 29.95% | Not listed | Learn more |
 National Powersports Financing Vehicle Financing | Not listed | Not listed | Not listed | Learn more |
 National Bank Auto Loan | Not listed | Not listed | up to 96 months | Learn more |
 Scotiabank Auto Loan | Up to $1,000,000 | Not listed | Up to 15 years | Learn more |
 Credit River Capital Inc Auto Loan | Not listed | Not listed | Not listed | Learn more |
 DealerPlan Financial Auto Loans | Not listed | Not listed | Not listed | Learn more |
 iA Auto Finance Auto Loan | Not listed | Starting at 10.99% | Not listed | Learn more |
 Loans2Go Auto Loan | Not listed | Not listed | Not listed | Learn more |
 LMG Finance Auto Loan | Not listed | Not listed | Not listed | Learn more |
 Toyloan Auto Loan | Not listed | Not listed | Not listed | Learn more |
| Iceberg Finance Auto Financing | $1,000 – $35,000 | 12.99% – 29.99% | 12 – 84 months | Learn more |
 TD Bank Car Loan | Up to $50,000 | Not listed | Up to 96 months | Learn more |
 Santander Car Loan | Not listed | Not listed | Up to 96 months | Learn more |
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 nesto Mortgage Loans | Min $110,000 | 4.14% – 6.29% | 24– 120 months | Learn more |
 Dominion Lending Center Mortgage | Not listed | Not listed | Not listed | Learn more |
 Mortgage Architects Mortgage | Not listed | 4.54% – 7.49% | 6 – 120 months | Learn more |
 Mortgage Alliance Mortgage | Not listed | 4.19% – 6.04% | 12 – 120 months | Learn more |
 First National Financial LP Residential Mortgage | Not listed | 4.49% – 6.63% | 1 – 10 years | Learn more |
 CanWise Mortgages | Not listed | 4.24% – 6.30% | Not listed | Learn more |
 CHIP Reverse Mortgage Reverse Mortgage | Not listed | Not listed | 12 – 60 months | Learn more |
 Equitable Bank Reverse Mortgage | Not listed | Varies | Not listed | Learn more |
 Tangerine Mortgage | $50,000+ | Not listed | 12 – 120 months | Learn more |
 True North Mortgage Mortgage | $150,000 – $1,500,000 | 2.99% – 5.49% | 6 – 60 months | Learn more |
 Verico Mortgage | Not listed | Not listed | Not listed | Learn more |
 Peoples Bank Mortgages | Not listed | 4.50% – 5.97% | 12 – 60 months | Learn more |
 Mortgage Intelligence Mortgage | Not listed | Not listed | Not listed | Learn more |
 Victoria Financial Home Equity Loans | $15,000 – $1,000,000 | Starts at 12% | Up to 36 months | Learn more |
| Provider | Services | Details |
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| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 SharpShooter Funding Business Loan | $1,000 – $300,000 | Not listed | 12 – 120 months | Learn more |
 Merchant Growth Term Financing | $5,000 – $800,000 | Not listed | 6 – 24 months | Learn more |
 OnTap Capital Business Financing | $10,000 – $2,000,000 | 10%+ | Up to 36 months | Learn more |
 Primed Loans Business Financing | $10,000 – $20,000,000 | Not listed | Not listed | Learn more |
 Bizcap Working Capital | Up to 2 million | Not listed | Flexible | Learn more |
 Driven Business Loan | $10,000 – $300,000 | Not listed | 3 – 24 months | Learn more |
 Lending Loop Small Business Loan | $ 1,000 – $500,000 | 4.96% – 24.93% | 1 – 60 months | Learn more |
 IOU Financial Term Loan | $15,000 – $1,500,000 | Not listed | 6 – 36 months | Learn more |
 Canadian Equipment Finance Equipment Loan | $50,000 – $12,000,000 | Not listed | 24 – 96 months | Learn more |
 Easylease Corp Equipment Loan | Up to $5,000,000 | Not listed | 24 – 72 months | Learn more |
 Econolease Financial Services Inc. Equipment Leasing | $1,000 – $1,000,000 | 6% – 20% | Not listed | Learn more |
 FundThrough Invoice Financing | $500 – $50,000 | 2.75% – 8.25% | 12 week cycles | Learn more |
 Lease Link Working Capital Loan | Up to $250,000 | Not listed | Up to 48 months | Learn more |
 Money in Motion Equipment Loan | $10,000 – $1,000,000 | 4% – 14% | 12 – 84 months | Learn more |
| Royal Bank of Canada (RBC) Business Loan | Starting at $5,000 | Not listed | Up to 84 months | Learn more |
 Canadian Imperial Bank of Commerce (CIBC) Business Loan | Up to $1,000,000 | Not listed | Up to 15 years | Learn more |
| Desjardins Business Loan | Up to $100,000 | Not listed | Not listed | Learn more |
 BarterPay Barter Loan | BP 2,500 – BP 100,000 | Not listed | 6 – 60 months | Learn more |
| National Bank Business Loan | Up to $1,000,000 | Not listed | Not listed | Learn more |
 B2B Bank Investment Loan | $10,000 – $300,000 | Not listed | Not listed | Learn more |
 Bank of Montreal (BMO) Business Loan | Up to $500,000 | Not listed | Up to 15 years | Learn more |
| Scotiabank Business Loan | Up to $1,000,000 | Not listed | Up to 15 years | Learn more |
 Laurentian Bank of Canada Business Loan | Up to $250,000 | Not listed | Up to 10 years | Learn more |
 Essex Lease Financial Corporation Equipment Loan | Not listed | Not listed | Not listed | Learn more |
 Export Development Canada Commercial Financing | Not listed | Not listed | Not listed | Learn more |
 Leaseline Equipment Leasing | Not listed | Not listed | 24 – 60 months | Learn more |
 Peel Financial Equipment Loans | Not listed | Not listed | Not listed | Learn more |
 Core Capital Group Inc Equipment Financing | Not listed | Not listed | Not listed | Learn more |
 Loop Business Line of Credit | Not listed | Not listed | Not listed | Learn more |
| TD Bank Business Loan | Not listed | Not listed | 12 – 60 months | Learn more |
 2M7 Financial Solutions Merchant Cash Advance | $1000 – $250,000 | Not listed | Not listed | Learn more |
| Lender | Loan amount | Rate | Term | Details |
|---|---|---|---|---|
 BHM Financial Title Loan | Up to $50,000 | Not listed | Not listed | Learn more |
Rates last checked: October 2026
Regardless of where you live, whether it’s a large city or a small rural town, chances are you’ll need or want to purchase a home at some point in your life. One of the best things about living in Quebec right now is that it has one of the most affordable housing markets in Canada, especially compared to other large provinces like Ontario and British Columbia.
So, what comes to applying for a Mortgage in Quebec, Loans Canada has all the information you need.
For more information about loans in Quebec, click here.
Mortgage Insurance Rules
One of the most important things to know before actually trying to secure a mortgage in Quebec is the mortgage insurance rules in Canada. For those unfamiliar, mortgage insurance in Canada is mandatory for those with a down payment between 5% (to purchase a house in Canada you must have at least a 5% down payment) and 19.99%. This insurance is in place to protect lenders in case a borrower defaults on their mortgage. If you have a 20% down payment, or higher, you won’t be required to pay this mortgage insurance.
Read this to learn more about high ratio mortgages and mortgage default insurance.
This mortgage insurance will often cost people around 2-5% of their total mortgage but allows a much greater percentage of the Canadian population to enter the housing market. There are many helpful calculators online that can help you decipher how much mortgage insurance you will likely be responsible for. However, there are some rules and requirements for mortgage insurance that you should know about, such as:
- The maximum amortization for insured mortgages is 25 years, so a 30 or 35-year mortgage in Quebec cannot be selected if you need mortgage insurance.
- If the home that you purchase is between $500,000 and $999,999, a higher down payment is required. It remains 5% for the first $500,000 and then 10% of the remaining amount, so be sure to account for that when saving.
- If you buy a home worth over a million dollars, you will be unable to get mortgage insurance and because of this, you need a 20% down payment for these homes.
- Mortgage insurance can often be paid off in a lump sum up front or can be added to your recurring mortgage payments.
What’s the difference between a mortgage term and an amortization? Find out here.
How to Save For a Down Payment
As you can see, having a down payment is one of the most important factors involved with purchasing a home with a mortgage in Quebec. However, saving money is something a lot of us aren’t too good at. So how are we supposed to save the tens of thousands of dollars often required for a down payment? Well, there are a few things you can do.
- You need to prioritize. You will need to “tighten your belt” and limit things like eating out, vacationing and other “wants” in order to save the money for your down payment.
- Downsizing your vehicle can be a good way to get enough money to beef up your down payment. Or, if you and your significant other have multiple vehicles, it could make sense to sell one of them to get more for your down payment. You can also consider a certified pre-owned vehicle.
- Saving money is hard when you are also dealing with debt. As a result, paying off things like your credit card or car loan before starting to save for a down payment is a good idea. Need some debt management tips? Try reading this.
- You should take a look at your budget and see where you are spending too much money and look to cut back to give yourself the best chance of successfully saving enough for a solid down payment.
How to Compare Mortgage Offers In Quebec
Once the down payment situation is covered, it‘s time to find the kind of mortgage you want. However, with so many different lenders out there with different mortgage types and terms, how do you know which one to choose?
Why do different mortgage lenders offer different mortgage rates? Click here to know.
Well, the first thing to do is make sure you visit a variety of different lenders and never simply work with the very first one you visit, as you will never know the other deals you are missing out on.
Not sure how to compare lenders in Canada? Check this out.
It is a good idea to compare offers from a variety of sources before deciding to select which one you want. While comparing based on the interest rate they offer is common, that is not the only thing you need to consider. Other things to compare include:
- Term
- Prepayment penalties
- Is the mortgage opened or closed?
- Amortization period
- Fixed or variable rate?
By looking at all of these different factors, you will be able to decipher which mortgage is best for you.
Here’s what to do if mortgage rates rise while you’re trying to buy a house.
Frequently Asked Questions
Can I still qualify for a mortgage with bad credit?
If you have bad credit, it will be very difficult to get approved by traditional lenders. To improve your chances, start by reviewing and fixing errors on your credit report. Even if your credit score is still relatively low, there are many mortgage providers who are willing to work with you. Of course, there will be conditions for getting approved with bad credit. You may be asked for a higher down payment or to get someone to co-sign the mortgage. The loan amount will typically be smaller and there will be a higher interest rate as well.
Where can I get a mortgage in Quebec?
If you’re looking to mortgage a new home, you’ll most typically deal with a bank, credit union, or a caisse populaire. However, if you don’t qualify with these institutions or want to explore other options, then consider a mortgage, trust, insurance, or loan company. Each type of provider offers a variety of services that cater to different situations. Enlisting the help of a licensed mortgage broker can make exploring all those options a lot easier. They will work to find you a tailored solution and don’t charge any fees until you get your mortgage approval.
What are prepayment penalties and privileges?
Paying off your mortgage quicker can help you save on interest. If you have an open mortgage, then you can pay it off early to save on interest with no penalty of any kind. However, if you have a closed mortgage, making early payments or paying it off completely can cost you thousands of dollars in prepayment penalties. Such penalties also apply when you break your contract to transfer to another lender or if you sell your home. Some contracts allow for a prepayment privilege. This lets you make extra payments towards your mortgage to save on interest. How the prepayment privilege works and the amount you can prepay will vary based on the lender.
The Right Mortgage For Your Needs
Finding the right mortgage in Quebec that meets your wants and needs isn’t always easy. However, at Loans Canada we know we are capable of matching up your needs with the perfect mortgage for you.
