Top 8 Mortgage Brokerages in Quebec City
Mortgage brokers act for the borrower, not the lender, and their job is to canvass the market for the sharpest mortgage rates and terms available. Because a broker can submit one application to dozens of lenders, they are usually able to negotiate a better deal than a single bank branch will put on the table. Brokers earn a commission for every loan they process, and that commission is paid by the lender, so the service costs the borrower nothing. Quebec City is the provincial capital and the anchor of the Capitale-Nationale region, and its housing market has been one of the strongest in the country in recent years. Prices here remain well below Montreal and Toronto levels, but they are climbing quickly, and a broker who knows which lenders are comfortable with the plexes, older stone properties, and rental duplexes common in the region can save a borrower a great deal of trouble. Below are some of the top brokerages serving Quebec City.
Quick Picks 💡
- True North Mortgage: A hybrid lender and brokerage whose advisors earn a salary rather than commission. Its in-house lender, THINK Financial, offers a six-month low fixed-rate product called Rate Relief that you will not find at a conventional brokerage.
- EG Conseils: The most reviewed independent brokerage practice in Quebec City, and one of the few with an in-house commercial division that handles income properties and business premises alongside ordinary home loans.
- MRL Courtiers Hypothécaires: A five-broker Quebec City firm that treats co-owner share buyouts as a service line of its own, covering separations, estates, and siblings dividing a family home.
Quebec City Mortgage Brokerages at a Glance
Quebec City Online Brokerages with Competitive Rates
Founded in Calgary in 2006, True North Mortgage is one of the largest brokerages operating across Canada. It holds a Quebec licence and operates a store in downtown Montreal, and it serves Quebec City borrowers online, by phone, and through its chat and virtual brokers rather than from a local storefront. The firm has arranged more than $10 billion in mortgages and was the first brokerage in the country to become a CMHC-approved lender, which lets it fund some deals directly instead of placing every file with an outside institution.
Its advisors are salaried rather than commissioned, which the company argues removes any incentive to push one product over another. Two features set the rate offering apart. The first is a lowest-rate guarantee: match or beat a competing brokerage's quote, or pay the client $500 at closing. The second is Rate Relief, a product from THINK Financial, the company's in-house lending arm, that carries a low fixed rate for six months, after which the borrower either renews with THINK Financial or pays a 1% fee. It is a genuinely unusual short-term option for anyone who expects rates to fall before committing to a full term. Beyond purchase financing, True North handles:
- Pre-approvals
- Refinancing
- Renewals and lender transfers
- Mortgage porting
- Purchase Plus Improvements
- Newcomers to Canada
- Cottages and secondary homes
- Rental and investment properties
- HELOCs
- Reverse mortgages
Local Quebec City Mortgage Brokerages
EG Conseils is an independent mortgage brokerage operating under the Planiprêt banner. It serves Quebec City, Lévis, and surrounding communities. The brokerage emphasizes transparency and compares offers from several lenders before recommending a mortgage.
Its residential services include mortgage pre-qualification, home purchases, renewals, refinancing, and debt consolidation. EG Conseils also offers commercial mortgage services for business owners and real estate investors. These services include financing business premises, commercial properties, renovations, and income-producing buildings. The brokerage also supports the training of new mortgage brokers through an in-house trainer and internship supervisor. Appointments can be booked online or by phone.
MRL Courtiers Hypothécaires is an independent Quebec City brokerage. Its brokers are not tied to one financial institution and compare mortgage options based on each client's needs, finances, and long-term plans. One of its specialized services is financing the purchase of a co-owner's share. This may involve a separation or divorce, an estate settlement, or siblings dividing ownership of a family property.
MRL also offers mortgage pre-approvals, home-purchase financing, renewals, refinancing, rental-property mortgages, and renovation financing. It can also connect property investors with legal and tax professionals. Appointments can be booked online or by phone.
Équipe Hypothécaire has operated in its current form since 2013. The brokerage emphasizes clear information, transparency, and detailed mortgage comparisons. It also publishes regular commentary on interest rates, inflation, Bank of Canada decisions, and mortgage strategies.
The brokerage assists with pre-approvals, home purchases, renewals, refinancing, and rental-property financing. Its website is available in French and English, and the team serves clients across Quebec. Équipe Hypothécaire has also received several Planiprêt Excellence Club recognitions for service quality and transaction volume. Appointments can be requested online or by phone.
L'Agence Hypothécaire focuses mainly on refinancing, debt consolidation, and private mortgages. It works with homeowners who want to reduce their monthly payments, access their home equity, or combine several debts into one payment. The brokerage also assists clients who have been declined by a bank, have credit challenges, or need an alternative financing solution. It compares products from banks, credit unions, alternative lenders, and private lenders.
L'Agence Hypothécaire serves clients across Quebec. It offers free initial consultations and emphasizes clear explanations, confidentiality, and a no-pressure process. Consultations can be requested online or by phone.
GMOT Hypothèques specializes in refinancing, debt consolidation, and private mortgage financing. It works with homeowners who want to use their property equity to repay debts, finance renovations, or access additional funds. The brokerage compares products from different lenders rather than offering mortgages from only one institution. It also helps clients review mortgage rates, repayment conditions, and financing structures based on their financial situation.
GMOT can also assist with personal insurance needs, including life insurance. Initial consultations are free, and the brokerage serves clients across Quebec.
Mortgage Broker Networks in Canada
A number of mortgage broker networks in Canada are made up of independently owned brokerages that share the rates, technology, and resources the network supplies. Joining one lets a small firm reach dozens of lenders without negotiating a relationship with each of them, and brings support with compliance, marketing, and training. Quebec is different from the rest of the country here: because brokers must be licensed by the province's own regulator and serve clients in French, the market is led by Quebec-based networks rather than the national brands that dominate elsewhere. Below are two of the largest, each represented by a member firm serving the Quebec City area.
Multi-Prêts Hypothèques
Multi-Prêts was founded in Montreal in 1982 and is the largest mortgage brokerage network in Quebec. It belongs to M3 Financial Group. Across the combined organization, there are more than 6,300 brokers nationally, roughly 500 of them in Quebec, with access to over 35 lenders. Member brokers handle purchases, renewals, refinancing, debt consolidation, second homes, and investment properties, and the network runs a prequalification tool and publishes its current rates online. Borrowers can apply through the network site, locate the nearest broker by postal code, or deal with a member office directly.
Les Architectes Hypothécaires (Mortgage Architects)
Mortgage Architects, known in Quebec as Les Architectes Hypothécaires, is a national brokerage network of more than 1,500 mortgage professionals with access to over 50 lending institutions. Its head office is in Mississauga, with regional offices in Vancouver, Calgary, Laval, and Halifax. The network was acquired by DLC Group in 2015 and now sits alongside Dominion Lending Centres and Mortgage Centre Canada inside DLCG, which counts more than 9,000 mortgage professionals nationally and originated over $84.5 billion in mortgages during 2025.
About Mortgage Brokers in Quebec
Mortgage brokering is a licensed profession across Canada, and anyone practising must hold a licence from the regulator in their province. In Quebec, mortgage brokers and firms are licensed and supervised by the Autorité des marchés financiers (AMF), which took over oversight of mortgage brokerage from the real estate regulator in May 2020. Anyone hiring a broker in Quebec City can confirm an active licence and check for disciplinary history in the AMF's public register free of charge before signing anything.
How to become a mortgage broker in Quebec?
To become a licensed mortgage broker in Quebec, a candidate must complete the AMF's Mortgage Brokerage Qualification Program, pass the regulator's examinations, and then practise under a registered firm. Core requirements include:
- Be at least 18 years of age
- Have completed secondary school (Secondary 5)
- Be able to read, write, and speak French
- Complete the two required qualification modules and pass the AMF exams
- Complete a supervised probationary period under a licensed firm
The qualification program is delivered in two modules, one on professional conduct and practice (F-116) and one on mortgage brokerage itself (F-611), covering mortgage credit, mortgage types, debt-service ratios, and needs assessment. Programs are offered by AMF-recognised providers, including several that teach entirely online. Once both examinations are passed, the candidate works a probationary period of at least 28 hours per week for 12 weeks before applying for a full licence. Licences must then be renewed with ongoing professional development, and every firm is required to carry professional liability insurance and follow the AMF's standards of practice.
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