Best Mortgage Broker in Quebec City, Quebec — 100+ Lenders, 5-Star Rated

Both terms apply. Mortgage Squad Advisors is an FSRA-licensed brokerage (#13737), and your file is handled by a licensed mortgage agent on our team. Whether you searched "mortgage broker Quebec City" or "mortgage agent Quebec City", you've reached the same place — a local advisor with access to 100+ lenders. New to brokers? See what a mortgage broker is and how they're paid.

Yes. We serve all of Quebec City — Sainte-Foy, Sillery, Saint-Roch, Vieux-Québec and every surrounding pocket — remotely or in person. You get a dedicated advisor in your time zone plus Maya AI for instant answers 24/7, so help is always close by.

At Quebec City's ~$405,000 benchmark with 20% down at a representative 5.04% 5-year fixed, you'd need roughly $72,000 in household income to qualify after the stress test — less with a co-applicant or a larger down payment, more if you carry other debt. We'll model your exact file in minutes.

Lenders run two debt-service ratios. Your GDS ratio (Gross Debt Service) — housing costs (mortgage payment, property tax, heat, plus half of any condo fees) measured against gross income — generally has to stay under about 39%, and your TDS ratio (Total Debt Service), which adds car loans, credit cards and other debt, under about 44%. Both are tested at the stress-test rate (the greater of your contract rate + 2% or 5.25%). Pay down other debt or add a co-applicant and your Quebec City budget rises. Our GDS & TDS guide and stress test guide show the full math, or run your numbers and have Maya model it in minutes.

It depends on your risk tolerance and rate outlook. A fixed-rate mortgage locks your rate and payment for the whole term — predictable, and the popular choice when rates are uncertain. A variable-rate mortgage moves with the lender's prime rate (which tracks the Bank of Canada policy rate); it often starts lower and can save money if rates fall, but your payment or amortization shifts if they rise. Terms run 1, 2, 3 and 5 years — the 5-year fixed is the most common choice in Quebec City. See our fixed vs variable and 3- vs 5-year term breakdowns, and we'll compare both on your real numbers.

For the best A-lender rates, most lenders look for a credit score of about 680 or higher. Scores in the 600s can still qualify, often at a slightly higher rate or with more down payment. Below the low 600s, B-lenders and private lenders take over — many work with scores down to roughly 500 on an equity-based approval, with a plan to move you back to A-pricing in 12–24 months. Our credit score guide explains the bands, and we'll tell you exactly where your Quebec City file stands.

Yes — we provide mortgage brokerage services across Quebec City including Sainte-Foy, Sillery, Saint-Roch, Vieux-Québec and surrounding areas. Our advisors know the local market and lender preferences.

As of 2026, the benchmark price in Quebec City is approximately $405,000. Your specific neighbourhood and property type can vary materially. We'll model your file at the price band that matches your search.

Standard Canadian mortgage documents: two pieces of government photo ID, two years of T4s/NoAs, recent pay stubs, 90-day proof of down-payment funds, and your purchase agreement once you have one. Self-employed and newcomer files have additional requirements — we'll send a precise list after a 5-minute intake.

Yes. First-time buyers are a core part of our practice. We help you stack the programs: the FHSA (up to $40,000 lifetime contribution room, tax-deductible), the RRSP Home Buyers' Plan (HBP) with its 15-year repayment, FTHB land transfer tax rebates (where applicable in Quebec), and insured (less than 20% down) CMHC paths starting at 5% down. Under the 2024 rules, 30-year amortization is now available to first-time buyers and on new-build purchases — lowering the monthly payment. We also run a stress-test simulation before any offer.

Mortgage brokering in Quebec is regulated by the AMF (Autorité des marchés financiers). Mortgage Squad Advisors is a licensed brokerage (FSRA #13737, Ontario head office) and arranges Quebec financing in compliance with AMF requirements — directly or through licensed partner brokers where provincial registration requires it. All advisors are FINTRAC-trained.

Most clients receive a written pre-approval within 24-72 hours of submitting documents. Maya AI gives you ballpark numbers in 60 seconds; the formal pre-approval requires a credit pull and underwriting review.

Yes. Quebec City's buyer pool reflects the broader Canadian market — self-employed, newcomer, multi-unit, alt-A, and private files are all in our daily flow. We pair you with an advisor experienced in your file type.

Today's best 5-year fixed across our network is approximately 3.94%, with variable around 3.60%. Your personalized Quebec City rate depends on your file (income, credit, loan-to-value (LTV), property type). See our live rate board or ask Maya for an instant quote.