Mortgages, insurance, investments, cards and calculators

Your money in Quebec, backed by numbers

Posted rates with their source, 15 calculators and 212 guides written for Quebec: mortgages, insurance, investments, cards. QuebecTaux is neither a lender nor a broker.

Compare rates See the calculators

“A posted rate is a starting point. The negotiated rate is often lower.”

Ground rule

The QuebecTaux method

6.14% · 5 yr fixed closed

Desjardins posted rate, read on October 7, 2026. A starting point, not an offer.

5% minimum down payment

Up to $500,000, then 10% on the portion up to $1.5M, and 20% from $1.5M.

Sourced
Every rate links to its original page.
Read date
Last read on October 7, 2026.
Independent
Neither a lender nor a broker.
Free
No account, no form.

Estimate your monthly payment

Three numbers, one result. The starting rate is the captured posted rate; replace it with the one on your offer.

Property price ($)Down payment ($)Rate (%)Amortization

Estimated monthly payment$2,333

For information only: not an approval, and not a rate offer.

Where to start

Two paths, depending on your project

The numbers before your offer to purchase, or before you sign the renewal.

I'm buying a home

Minimum down payment, CMHC premium, welcome tax and payment by term.

Prepare my purchase

I'm renewing

Compare the offer you received with posted rates: at maturity, switching lenders carries no penalty.

Prepare my renewal

Another project? Talk to a broker:

Mortgage rates, term by term

Fixed closed rates posted by Desjardins and chartered bank averages published by the Bank of Canada, read on October 7, 2026.

Mortgage rates, term by term
Source DesjardinsAverage	1 yr 5.49%posted	3 yr 6.04%posted	5 yr 6.14%posted	10 yr 6.89%posted
Monthly payment ($400,000, 25 years, Desjardins rate)	$2,439	$2,569	$2,593	$2,775
Desjardins vs bank average	same	−0.01 pt	−0.05 pt	[to capture]
GIC, same term (bank average)	2.45%	3.20%	2.75%	[to capture]
Fixed rate, closed mortgage
Switch lenders at maturity, no penalty
Source	See at Desjardins	See at Desjardins	See at Desjardins	See at Desjardins

Recorded on October 7, 2026 (19 days ago). How we record rates

Six sections

Where to start?

Each section brings together guides and the calculators that go with them. Nothing to sell: just what you need to ask your institution the right questions.

Insurance

Home, auto, life: what the SAAQ covers (bodily injury) and what is left to insure.

Investments

RRSP, TFSA, FHSA and GICs: limits, deadlines and the order to think about them.

Credit cards

Rewards, points, annual fees: what to read before choosing a card.

Mortgages

Down payment, welcome tax, renewal: a posted rate is a starting point, and switching lenders at maturity carries no penalty.

Accounts and fees

Chequing, savings, monthly fees: spot what you pay without noticing.

Calculators

15 calculators: mortgage payment, down payment, land transfer tax, GICs and more. For information only.

By cityShow

By city

Land transfer tax and local benchmarks for Quebec's main cities.

15 calculators

Calculators for every step of your finances

For information only. Not an endorsement or a rate offer.

Minimum down payment: 5% up to $500,000, 10% on the portion up to $1.5M, 20% from $1.5M.

The numbers before you sign

Payment, borrowing capacity, CMHC premium, land transfer tax, renewal and refinancing.

Calculators in this section

Mortgage payment
How much you can borrow
Down payment insurance
Renewal difference

Refinance break-even
Land transfer tax
Fixed or variable
Debt consolidation

Open the calculators

How we compare

Read
Rates are read at the source: the lender or the Bank of Canada.
Check
A doubtful value is set aside rather than corrected by guesswork.
Date
Every figure carries its date. Without a reading, a marker shows.

Read the methodology

Guides to decide with the facts in hand

//Mortgages

Build a Budget Before Buying a First Home in Quebec

//Mortgages

Financing Condition in a Promise to Purchase

//Cards

Compare a Credit Card Beyond the Reward Rate

//Savings

Emergency Funds: Set a Target for Your Expenses

//Insurance

Review Insurance After a Family Change

//Investments

Life Annuity or Retirement Withdrawal Portfolio

Upcoming deadlines

One rate, three readingsShow

Compare

One rate, three readings

A posted rate is a starting point; the negotiated rate is often lower; a promotional rate comes with conditions. Knowing which one you are looking at changes the conversation with your lender.

What matters	Posted rate	Negotiated rate	Promotional rate
What it is	The rate published by the institution	The rate you get after negotiating or getting quotes	A reduced rate, for a period or under conditions
Its role	Starting point	Often lower	Read the conditions
Example	6.14% · 5 yr fixed closed (Desjardins)	Specific to your fileIncome, down payment, quotes received	[to capture]
Where to find it	On the institution's website	In the written offer you receive	In the institution's campaigns
How long	Until the institution changes it	For the term you sign	Limited: check the end date
What to ask for	The posted rate for the term you want	A written offer and its guarantee date	The rate that applies after the promotion
At maturity	A benchmark for your renewal	Switching lenders carries no penalty	Reread the conditions before renewing
How QuebecTaux helps	Rates read at the source on October 7, 2026		Guides to read the conditions

Aim for this

Got an offer? Reread it with these three columns in mind.

Read the guides See this year's deadlines

Frequently asked questions

FAQ.

Neither. QuebecTaux compares published rates and has no agreement with any financial institution. No commission depends on your choice.

Minimum down payment up to $500,000

$8,000

Annual FHSA limit

$40,000

Lifetime FHSA limit

60th day

RRSP contribution deadline