Compare today's lowest 3-year fixed mortgage rates from Quebec's top lenders. Updated daily with verified broker data.
As of August 13, 2026, the best 3-year fixed rate in Quebec is 3.94% from True North Mortgage. This rate applies to a conventional mortgage with 20%+ down payment and a 25-year amortization.
3-Year Fixed rates from top Quebec lenders, by mortgage type.
| Lender | InsuredDown payment < 20% | InsurableHome < $1M & amort ≤ 25-yr | UninsurableRefinance or DP ≥ 20% | Action |
|---|---|---|---|---|
True North Mortgage 3-Year Fixed | 3.94%$3,137/mo | — | — | Get This Rate |
nesto 3-Year Fixed | 4.14%$3,202/mo | 4.14%$3,202/mo | 4.14%$3,202/mo | Get This Rate |
Investors Group 3-Year Fixed | 4.34%$3,268/mo | 4.79%$3,418/mo | 4.79%$3,418/mo | Get This Rate |
Innovation Credit Union 3-Year Fixed | 4.29%$3,251/mo | 4.29%$3,251/mo | — | Get This Rate |
IG Wealth Management 3-Year Fixed | 4.34%$3,268/mo | 4.79%$3,418/mo | 4.79%$3,418/mo | Get This Rate |
Tangerine 3-Year Fixed | 4.44%$3,301/mo | 4.44%$3,301/mo | — | Get This Rate |
RBC 3-Year Fixed | 4.49%$3,318/mo | 4.49%$3,318/mo | 4.49%$3,318/mo | Get This Rate |
CMLS 3-Year Fixed | 4.49%$3,318/mo | 4.89%$3,452/mo | — | Get This Rate |
National Bank 3-Year Fixed | 4.64%$3,368/mo | 4.64%$3,368/mo | 4.64%$3,368/mo | Get This Rate |
TD 3-Year Fixed | 4.64%$3,368/mo | 4.64%$3,368/mo | 4.64%$3,368/mo | Get This Rate |
BMO 3-Year Fixed | 4.64%$3,368/mo | 4.64%$3,368/mo | 4.64%$3,368/mo | Get This Rate |
Equitable 3-Year Fixed | 4.64%$3,368/mo | — | — | Get This Rate |
CIBC 3-Year Fixed | 4.74%$3,401/mo | 4.74%$3,401/mo | 4.74%$3,401/mo | Get This Rate |
Simplii Financial 3-Year Fixed | 4.74%$3,401/mo | 4.74%$3,401/mo | — | Get This Rate |
First National 3-Year Fixed | 4.94%$3,469/mo | 4.94%$3,469/mo | 4.94%$3,469/mo | Get This Rate |
Manulife 3-Year Fixed | 4.99%$3,486/mo | 4.99%$3,486/mo | 4.99%$3,486/mo | Get This Rate |
Community Trust 3-Year Fixed | 5.55%$3,680/mo | 5.55%$3,680/mo | 5.55%$3,680/mo | Get This Rate |
Laurentian 3-Year Fixed | 6.09%$3,871/mo | 6.09%$3,871/mo | — | Get This Rate |
Already have a mortgage? See how much you could save by switching.
At 3.94% over 25 years, a $600,000 mortgage costs $340,991 in total interest. Camilo will show you exactly how much of that you can cut.
Canadian rules applied — CMHC insurance, LTT, and payment frequency calculated in real time.
Monthly Payment
$3,147
/month
Mortgage
$600,000
Total Interest
$344,153
Total Cost
$944,153
● Payoff Lab users pay the same monthly — but finish 5 years earlier. See how →
Common questions about Quebec mortgage rates, answered by licensed brokers.
Camilo Rodriguez is the Founder of Mortgages Lab, a licensed mortgage broker with over 23 years of experience helping Canadians achieve financial freedom. He has trained 100+ mortgage agents across Canada and is Past President of The Canadian Mortgage Broker Association - BC. He is the author of "From Debt to Zero," a guide to becoming mortgage free.
P.A.Y.O.F.F™, L.A.B™, M.A.P™ are Trademarks of Mortgages Lab®
This page contains informational content only and does not constitute financial advice. Mortgage rates shown are sourced from publicly available lender data and may change without notice. Always verify rates directly with the lender. Mortgages Lab may receive compensation from partner lenders, which does not influence our editorial content or rate rankings. Built on Real Experience — 23+ years of working with real mortgage scenarios and helping Canadians achieve financial freedom.
