A Québec City home can come with more than a new address: condo charges, a renovation project, or rental income from a second dwelling. A useful mortgage comparison brings those details into the same conversation as the interest rate, monthly payment, and flexibility to change plans.
This list compares ten mortgage brokerages and local practices in Québec City, Canada, through their services, business backgrounds, consultation options, and fees. The entries cover residential borrowing, refinancing, private financing, and commercial investment. A mortgage broker helps arrange financing with a lender; the lender decides whether to approve the application.
How This List Was Compiled
Selection considered Québec City contact locations, mortgage-brokerage authorisation, and identifiable services. Registered businesses were checked through the Autorité des marchés financiers (AMF), with company information used to verify local contacts, services, and business histories.
Entries are alphabetical; numbering does not indicate a ranking. Network relationships and connected lenders are identified where established. Contact addresses may differ from a firm’s registered headquarters, and meeting arrangements should be confirmed before visiting. Services described for a wider brokerage should also be confirmed with the professional handling your file.
Québec City Mortgage Brokers at a Glance
| Brokerage | Québec City Office | Mortgage Services |
|---|---|---|
| GMOT | Boulevard Lebourgneuf | Refinancing, debt consolidation, and private mortgages |
| Hypotheca | Rue de la Promenade-des-Sœurs | Residential mortgage advice, lender comparison, and applications |
| Hypothèques Gabriel Perron | Boulevard Lebourgneuf | Purchases, renewals, refinancing, and renovation financing |
| L’Agence Hypothécaire | Boulevard Lebourgneuf | Refinancing, consolidation, and alternative or private financing |
| Les Architectes hypothécaires | Boulevard des Galeries | Purchases, renewals, refinancing, and renovation purposes |
| Multi-Prêts Hypothèques | Boulevard des Galeries; Avenue de Bourgogne | Purchases, renewals, transfers, and refinancing |
| Orbis Mortgage Group | Boulevard Pierre-Bertrand | Residential, investment-property, alternative, and commercial financing |
| Planiprêt | Boulevard Wilfrid-Hamel | Purchases, renewals, refinancing, and affordability planning |
| PMML | Boulevard Lebourgneuf | Commercial and multifamily investment financing |
| RS Hypothèque | Boulevard Lebourgneuf | Purchases, renewals, and refinancing |
10 Mortgage Brokers in Québec City to Consider
1. GMOT
GMOT focuses on mortgage refinancing, debt consolidation, and private borrowing. The business operates through Gestion Marc-Olivier Tanguay Inc., with a Québec City contact office on Boulevard Lebourgneuf and a wider financial-services offering.
Its mortgage material addresses homeowners reviewing existing debts and exploring institutional or private-lender options. That makes the proposed repayment structure an important part of the discussion. Consolidation may simplify payments, but extending repayment can increase interest costs over time. Borrowers should compare the new balance, fees, amortisation, and total repayment alongside any change in monthly spending.
- Address: 815 Boulevard Lebourgneuf, Bureau 309, Québec, QC G2J 0C1
- Services: Mortgage refinancing, debt consolidation through refinancing, and private mortgages.
- Consultations: Telephone, email, and online enquiries. Advertises a free, no-obligation first appointment.
- Fees and affiliations: Request written brokerage compensation, lender charges, and third-party costs. A free initial appointment does not establish the cost of the completed financing.
- Registered business: Gestion Marc-Olivier Tanguay Inc., AMF registration 606147.
Ask about: The total cost of consolidating debts, the proposed repayment period, and how any private mortgage would be repaid at maturity.
2. Hypotheca
Hypotheca’s Québec City contact through Anne-Marie Gauthier provides a local route into its mortgage-brokerage network. The broker’s site combines lender comparison with online applications, payment tools, and information about purchasing a home or condo.
Its material also addresses refinancing for renovations or debt consolidation, helping borrowers prepare questions about an existing mortgage as well as a purchase. The listed Promenade-des-Sœurs address corresponds to a branch of the registered business below. Borrowers can begin by telephone or online, then confirm the arrangements and scope of service directly with the broker.
- Address: 4745 Rue de la Promenade-des-Sœurs, Québec, QC G1Y 2W2
- Services: Residential mortgage advice and applications, lender comparison, home and condo purchase guidance, and refinancing discussions.
- Consultations: Telephone contact, an online enquiry form, and a digital application. Confirm current meeting arrangements directly.
- Fees and affiliations: Part of the Hypotheca grouping. Obtain written remuneration and fee terms, including any borrower-paid, lender, and transaction charges.
- Registered business: 2518228 Canada Inc., operating under Hypotheca trade names, AMF registration 604607.
Ask about: Which lenders suit the property and your income, and what conditions remain before the financing can be finalised.
3. Hypothèques Gabriel Perron
Hypothèques Gabriel Perron is a local mortgage practice identified as a partner in Consortium Hypothécaire’s directory. Its services cover purchases, renewals, refinancing, and renovation financing, including applications from first-time buyers, self-employed borrowers, and rental-property purchasers.
The practice describes a process beginning with an in-person or online meeting, followed by file preparation, submission, and support through the notarial signing. It also offers later renewal assistance. That continuity gives borrowers a useful basis for discussing who will collect documents, explain lender conditions, and remain available as the transaction progresses towards completion.
- Contact address: 825 Boulevard Lebourgneuf, Bureau 500, Québec, QC G2J 0B9
- Services: Purchases and pre-approval, renewals, refinancing, renovation financing, and applications involving self-employment or rental properties.
- Consultations: In-person and online meetings; confirm the meeting location when booking.
- Fees and affiliations: A Consortium Hypothécaire partner. Advertises free professional advice in its refinancing material; confirm the compensation and full costs of the proposed transaction.
- Registered business: Hypothèques Gabriel Perron Inc., AMF registration 609561.
Ask about: The documents needed for your income structure and how the application will be supported through the lender’s conditions and notarial signing.
4. L’Agence Hypothécaire
L’Agence Hypothécaire was founded by Jason Robitaille and centres its offering on refinancing, debt consolidation, and private or alternative financing. Its Québec City office is on Boulevard Lebourgneuf, with an initial discussion available by telephone or videoconference.
The firm describes examining options from banks, caisses, and alternative or private lenders according to the borrower’s circumstances. For someone reassessing existing borrowing, the comparison should cover the amount advanced, charges, mortgage term, and repayment obligations. Where a private mortgage is proposed, the maturity date and realistic repayment options deserve attention from the outset.
- Address: 815 Boulevard Lebourgneuf, Bureau 312, Québec, QC G2J 0C1
- Services: Refinancing, debt consolidation through refinancing, and private or alternative mortgages.
- Consultations: Free initial consultations by telephone or videoconference; arrange any office meeting in advance.
- Fees and affiliations: Confirm brokerage compensation, borrower-paid fees, lender charges, and other costs in writing. The free initial consultation is separate from the transaction’s expenses.
- Registered business: L’Agence Hypothécaire Inc., AMF registration 608661.
Ask about: The proposed lender, complete charges, renewal conditions, and repayment plan if the mortgage is intended as short-term financing.
5. Les Architectes hypothécaires
Les Architectes hypothécaires, also known as Mortgage Architects, provides a Québec City contact through Stéphane Bruyère’s Boulevard des Galeries office. The local offering covers home purchases, mortgage renewals, and refinancing within the national brokerage.
Its mortgage material also discusses borrowing for renovations and debt consolidation, with online application options. For an existing homeowner, those services create an opportunity to compare keeping, changing, or replacing the current mortgage. The discussion should connect the new financing to the remaining term, possible penalties, project costs, and the household’s intended repayment schedule.
- Address: 5300 Boulevard des Galeries, Bureau 405, Québec, QC G2K 2A2
- Services: Home purchases, renewals, refinancing, and financing discussions for renovations or debt consolidation.
- Consultations: Telephone, email, and online applications through the local professional.
- Fees and affiliations: Mortgage Architects is part of DLCG Mortgage Group. Request written brokerage, lender, and transaction costs for the financing under consideration.
- Registered business: MA Mortgage Architects Inc., AMF registration 605437.
Ask about: Whether the benefits of changing the mortgage outweigh penalties and fees over the period you expect to keep the loan.
6. Multi-Prêts Hypothèques
Multi-Prêts Hypothèques combines a Québec broker network with local offices and digital application tools. Its Québec City contacts include Vision on Boulevard des Galeries and Armonia in Sainte-Foy, giving borrowers more than one route into the same registered brokerage.
The local offices offer lender comparison and assistance with purchases, transfers, and refinancing, while the wider brand also addresses renewals, renovations, second homes, and investment properties. Borrowers can use the office directory to identify a professional, then discuss the relevant lenders and documentation. The two offices represent local service choices within Multi-Prêts, rather than separate unrelated brokerage networks.
- Established: 1982 for the Multi-Prêts brand.
- Addresses: 5400 Boulevard des Galeries, Bureau 330, Québec, QC G2K 2B4; and 979 Avenue de Bourgogne, Bureau 100, Québec, QC G1W 2L4.
- Services: Purchases and pre-approval, renewals, transfers, refinancing, renovation financing, second homes, and investment properties through the wider network.
- Consultations: Local telephone and email contact, online enquiries, and digital applications.
- Fees and affiliations: Part of M3 Financial Group. Advertises brokerage services without a client fee; confirm any lender, notarial, appraisal, or other transaction costs.
- Registered business: 2786591 Canada Inc., operating as Multi-Prêts Hypothèques, AMF registration 604923.
Ask about: The professional who will handle your file, the lenders being compared, and the restrictions attached to each proposed mortgage.
7. Orbis Mortgage Group
Orbis Mortgage Group lists a Québec City office on Boulevard Pierre-Bertrand within its wider residential and commercial brokerage. Its company-wide services include purchases, renewals, refinancing, self-employed applications, rental properties, and alternative financing.
The group combines brokerage services with internal underwriting support and identifies Swyft Hypothèque as its in-house lender. Its wider platform also includes commercial, construction, and cross-border financing. Borrowers should confirm which professional and division will handle the required service, particularly for specialist applications. A recommendation involving a related lender should explain both the relationship and how the product compares with other suitable options.
- Address: 6700 Boulevard Pierre-Bertrand, 2e étage, Québec, QC G2J 1A8
- Services: Purchases, renewals, refinancing, self-employed and investment-property applications, and alternative or commercial financing through the wider brokerage.
- Consultations: Telephone and online enquiries, with digital applications; confirm arrangements for the Québec City office directly.
- Fees and affiliations: Advertises free advice and pre-approval. Confirm transaction-specific charges. Swyft is its in-house lender; Orbis also identifies Orbis USA and membership in OIM Group.
- Registered business: Groupe Hypothécaire Orbis Inc. / Orbis Mortgage Group Inc., AMF registration 604725.
Ask about: Why the lender was selected, whether it is related to Orbis, and who is responsible for explaining the loan’s conditions and costs.
8. Planiprêt
Planiprêt’s Québec City contact through Stéphane Marchand offers assistance with purchases, renewals, and refinancing. The wider firm approaches mortgages through affordability and household planning, considering payment commitments, mortgage features, and flexibility alongside the rate.
The local material also addresses rental investment, commercial financing, and reverse mortgages. Its Wilfrid-Hamel office provides a contact point for discussing the property, income, and purpose behind an application. A useful starting question is how the proposed payment fits the household’s other commitments, including taxes, insurance, maintenance, and any planned work, rather than treating the maximum approved amount as a spending target.
- Established: 2006 for Planiprêt.
- Address: 4495 Boulevard Wilfrid-Hamel, Bureau 201, Québec, QC G1P 2J7
- Services: Residential purchases, renewals, refinancing, and rental-investment or commercial financing; reverse mortgages are also discussed by the local practice.
- Consultations: Telephone, email, and online enquiries. The local practice advertises a free consultation.
- Fees and affiliations: Says participating lenders remunerate its residential brokers, with no client brokerage-service fee. Confirm product-specific and transaction costs. Mortgage Planners and MP Mortgages are names of the same registered business.
- Registered business: 7105843 Canada Inc., operating as Planiprêt, AMF registration 605591.
Ask about: A sustainable household payment budget and how the proposed mortgage would work if your income, property needs, or renovation plans change.
9. PMML
PMML focuses on commercial and multi-residential property financing for investors, building owners, and developers. Its Québec City office in Lebourgneuf forms part of a wider business combining commercial real estate, mortgage brokerage, and insurance services.
Its financing material addresses apartment buildings with five or more units, commercial and semi-commercial properties, industrial assets, and construction or repositioning projects. That specialist scope makes property income, operating costs, loan conditions, and the investment plan central to the discussion. For a purchase or refinancing, borrowers should establish the financing mandate and identify which separate professional services are included.
- Established: 2008
- Address: 1255 Boulevard Lebourgneuf, Québec, QC G2K 0M6
- Services: Commercial and multi-residential financing, construction and repositioning finance, and private-financing or lending-partner searches.
- Consultations: Meetings by appointment; confirm the suite when booking.
- Fees and affiliations: Request project-specific brokerage compensation, lender charges, and third-party costs. Its wider business includes commercial real estate and insurance services.
- Registered business: PMML Inc., AMF registration 605941.
Ask about: The applicable lending programme, property cash-flow assumptions, financing conditions, and the complete professional costs of the project.
10. RS Hypothèque
RS Hypothèque is a Québec City mortgage team affiliated with Intelligence Hypothécaire. It offers support for first purchases, renewals, and refinancing, with an approach centred on reviewing the borrower’s financial situation and comparing offers from partner lenders.
The team provides telephone, email, and in-person contact at its Lebourgneuf office. Its principal, Dominick Samson, operates through a local registered cabinet and also acts for Intelligence Hypothécaire. That relationship gives borrowers a specific professional and registered business to verify, while keeping the team’s public name distinct from the legal entity responsible for the application.
- Address: 1165 Boulevard Lebourgneuf, Bureau 160, Québec, QC G2K 2C9
- Services: Residential purchases, renewals, refinancing, and assistance with lender comparison and application preparation.
- Consultations: Telephone, email, and in-person meetings; contact the team to arrange a visit.
- Fees and affiliations: Affiliated with Intelligence Hypothécaire, part of M3 Financial Group alongside Multi-Prêts. Request written compensation and fee terms, including lender coverage and any borrower-paid charges.
- Registered businesses: Dominick Samson Courtier Inc., AMF registration 606192; and Intelligence Hypothécaire Inc. / Mortgage Intelligence Inc., AMF registration 605033. Confirm which business is responsible for your engagement.
Ask about: Who will manage the application, which registered business is acting, and how the proposed lender was chosen.
Which Mortgage Brokerage Fits Your Situation?
Start with the property and transaction, then identify professionals whose services and lender access fit the work involved. A straightforward renewal, a house requiring substantial renovation, and a rental-building purchase can call for different experience and documentation.
| Your Situation | What to Discuss |
|---|---|
| First purchase | Down-payment evidence, conditional pre-approval, notarial costs, adjustments, and the municipal transfer-duty bill |
| Renewal or lender switch | Maturity date, switching costs, remaining amortisation, restrictions, and qualifying requirements |
| Refinancing or debt consolidation | Existing penalties, additional borrowing, fees, new repayment period, and total costs |
| Self-employed or variable income | Tax records, business accounts, and the proposed lender’s assessment of qualifying income |
| Divided or undivided condo | Ownership structure, lender eligibility, condo charges, reserve information, and notarial review |
| Duplex or proposed additional dwelling | Occupancy, existing leases, legal configuration, project approvals, and accepted rental income |
| Older or heritage property with renovations | Property condition, insurance enquiries, required approvals, work budget, and funding schedule |
| Commercial or multifamily investment | Property cash flow, lending programme, financing structure, conditions, and professional fees |
For private borrowing, also establish the repayment date, renewal conditions, total charges, and a realistic exit plan. A future transfer to a bank remains subject to that lender’s assessment and approval.
Before You Choose a Mortgage Brokerage
Give each professional the same income, property, and transaction information. That makes it easier to compare proposals on consistent assumptions. Confirm:
- Registration and responsibility: Check the firm and the individual in the AMF register for mortgage-brokerage authorisation, and identify who will handle the application.
- Lender selection: Ask which lenders were considered, whether any is related to the brokerage, and why the recommendation fits your circumstances.
- Compensation and commitments: Obtain written explanations of commissions, borrower fees, referral arrangements, and any exclusivity or non-completion obligations.
- Mortgage costs and flexibility: Compare the term, amortisation, payment structure, prepayment privileges, portability, penalties, and transaction charges.
- Purchase cash: Allow for the down payment, notarial fees, inspections, adjustments, and municipal transfer duty, including amounts payable after completion.
- Property and renovation assumptions: Check the property’s status and required City approvals before relying on a renovation budget or future rental unit. Discuss the funding and insurance arrangements separately.
- Outstanding conditions: Establish which income, credit, property, and document checks remain. Pre-approval is not final funding.
Ask for a written explanation of the recommendation, including which costs are confirmed and which remain estimates. A lower monthly payment can reflect a longer repayment period, so it should be considered alongside total borrowing costs.
Frequently Asked Questions
How Much Does a Mortgage Broker Cost in Québec City?
There is no universal fee. Lender commissions are common, while some transactions involve borrower-paid brokerage charges. The broker must explain remuneration in writing before providing services. Ask about brokerage fees, lender charges, notarial costs, and any exclusivity or non-completion obligations. A free consultation does not establish that the completed financing has no expenses.
Can Self-Employed Borrowers Use a Mortgage Broker?
Yes. A broker can identify relevant lenders and explain their documentation requirements. Prepare accurate tax returns, notices of assessment, and business records, then ask how the proposed lender calculates qualifying income. Business turnover, taxable income, and the income accepted for mortgage qualification may differ. Approval remains subject to the borrower, property, and lender’s requirements.
Can Rental Income Help Me Qualify for a Duplex?
It may, but the amount accepted depends on the lender’s requirements, owner occupancy, the number of units, and supporting documents. Ask how rental income and property expenses will be assessed. If the plan involves creating a basement or garden dwelling, confirm municipal requirements and the lender’s treatment of projected income before relying on it in the budget.
What Purchase Costs Should I Budget for Beyond the Down Payment?
Allow for notarial fees and disbursements, inspections, property-tax adjustments, and municipal transfer duty. Québec City’s transfer duty is not necessarily calculated from the purchase price alone. Ask your notary for an itemised estimate, confirm when each amount is payable, and keep funds available for the municipal bill after the transfer. Use the rules for the municipality where the property is located.
Do I Need a Stress Test When Switching Mortgage Lenders?
Certain eligible uninsured straight switches at renewal between federally regulated institutions are exempt from OSFI’s prescribed minimum qualifying rate. The incoming lender still assesses and approves the application. Refinancing, additional borrowing, or extending the remaining amortisation can affect eligibility. Confirm the requirements for your mortgage and the institutions involved, particularly where a lender is provincially regulated.
How Do I Check a Québec Mortgage Broker’s Registration?
Search the AMF’s Register of firms and individuals authorised to practise. Check the registered business and the individual handling your application, including mortgage-brokerage authorisation, affiliation, and any conditions or restrictions. The firm’s cabinet registration and the individual’s certificate are different records. An OACIQ real estate brokerage credential does not replace the AMF check for mortgage brokerage.
Choosing From This List
The mortgage has to work after the purchase closes or the refinancing funds arrive. For a Québec City borrower, that means payments that fit the household budget, clear costs, and terms suited to the property and intended plans. Renovations, rental income, or a future move should be part of that discussion early.
Use this list to find relevant experience, then compare written recommendations on the same assumptions. The professional you choose should explain the lender, conditions, and repayment structure clearly enough for you to understand both the immediate commitment and what happens if your circumstances change.
This publication provides general information, not personalised mortgage or financial advice. Products, fees, and lending requirements may change. Confirm the terms, total costs, and suitability of a proposed mortgage with a licensed mortgage professional or your lender before committing.
