Quebec City Real Estate Market in Numbers
National capital with stable real estate market. Strong mortgage renewal demand in established neighborhoods.
Complete Fee Grid — Mortgage in Quebec City
| Service | Minimum | Maximum / Note |
|---|---|---|
| Mortgage broker — purchase | $0 | Free — rémunéré par le prêteur |
| Mortgage broker — renewal | $0 | Free — paid by lender |
| Mortgage broker — refinancing | $0 | $1,500 depending on complexity |
| Notary fees (mortgage deed) | $1,200 | $2,500 |
| Pre-purchase inspection | $450 | $700 |
| CMHC insurance (down payment < 20%) | 2.8% | 4.0% of borrowed amount |
| Private mortgage — annual interest rate | 8% | 18% |
| HELOC — interest rate | 5.5% | 8% |
* Estimates based on 2026 market data. Rates vary based on your file.
Total Costs When Buying a Property
Frequently Asked Questions About Prices
What is the current mortgage rate in Quebec City?+
Mortgage rates in Quebec City are the same as across Quebec — they depend on the lender, term, and type (fixed or variable). In 2026, 5-year fixed rates range from 4.5% to 5.5% depending on your file. An OACIQ broker can negotiate the best rate for you at no cost.
How much does a mortgage broker cost in Quebec City?+
The mortgage broker is free for residential purchases and renewals in Quebec City. They are paid directly by the lender who gets your file. Only refinancing may incur fees of $0 to $1,500.
What down payment is needed for a home in Quebec City?+
With a median price of $360,000 in Quebec City, the minimum down payment is $18,000 (5%). A 20% down payment ($72,000) avoids CMHC insurance.
What are the notary fees for a mortgage in Quebec City?+
Notary fees for drafting a mortgage deed in Quebec City range from $1,200 to $2,500 depending on the notary and file complexity. These fees are in addition to the property price.