# Quebec Mortgage Rates 2026: Live Montreal & Quebec City Rates

> Current Quebec mortgage rates from Canada’s Big 5 banks and major challenger lenders. Quebec Welcome Tax, Civil Code mortgage mechanics, and Montreal market context. Updated daily.

Category: Mortgage Rates
Last verified: 2026-08-29
Source: https://ratellow.com/mortgages/rates/quebec

## TL;DR
- Live card as of 2026-08-31: 5-year fixed 4.14% · 3-year fixed 3.94% · 5-year variable 3.49% · Prime 4.45%.
- Quebec Welcome Tax (droits de mutation) plus Civil Code hypothec / notary closing.
- Lender contract rates do not vary by province. Closing cost and legal mechanics do.