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Rate   Provider  
2.69% Details Get This Rate
2.74% Details Get This Rate
2.74% Details Get This Rate
2.79% Details Get This Rate
2.79% Details Get This Rate
2.79% Details Get This Rate
2.79% Details Get This Rate
2.80% Details Get This Rate
2.89% Details Get This Rate
2.89% Details Get This Rate
2.89% Details Get This Rate
2.89% Details Get This Rate
2.89% Details Get This Rate
3.09% Details Get This Rate
3.49% Details Get This Rate
3.69% Details Get This Rate
3.69% Details Get This Rate
3.89% Details Get This Rate
3.89% Details Get This Rate
2.94% Details Available Here
3.09% Details Available Here
3.29% Details Available Here
3.29% Details Available Here
3.39% Details Available Here
3.39% Details Available Here

Understand the Numbers

Use all of our mortgage calculators and tools inside James.

Affordability

Before you spend your way through your jeans, or settle for a Vespa when you could very well buy a rocket ship... Enter your details below to determine what you can afford.
You could afford a mortgage of around $0 on a variable rate, or $0 with a 5 year fixed rate. That is a $0 difference!

Payment

Enter your basics below to determine your monthly mortgage payment.
Your monthly payment is around $0.

Transfer Tax

Enter your details below, to determine the property transfer taxes for your province.
Your tax is $0.

Rate Check

Fill in your mortgage amount, current interest rate, and your term to see how much you'll save by getting James' best rate!
You could save $0 at our rate!

Variable Rate Strategy

Are you debating whether to go with a variable rate, versus a fixed rate? This will help you make that decision. Compare a 5 year variable rate to a 5 year fixed rate — just adjust the interest up or down to see how it affects your payment.
By using our simple variable strategy, you would save $0 over a fixed rate if the variable rate went up by 0% per year.

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How It Works

Get approved for the socially responsible mortgage that only a startup could dream up, in this online journey.
Select the kind of Mortgage and Rate you want.
Tell us your Story using the easy & fun James app.
Get Immediately Approved with James’ Crystal Signal system OR get a custom path to an approval.
Let James guide you through some simple steps as you share your documents in the app.
Sign all your mortgage docs in the app & you are ready for closing!

Recent Quebec City Mortgage Rates

Quebec City Mortgage Rates Overview One of the most important aspects of purchasing a home in Quebec City is finding the lowest possible mortgage interest rate. Over the past few years, the housing market through most of has been extremely hot, in part because mortgage rates have been historically low. There are actually two types of Quebec City mortgage rates available. A variable rate mortgage will feature an interest rate that changes when the prime lending rate changes. A variable rate will be quoted as being +/- a certain amount, such as the prime rate +1%. That means, while the prime rate may change, the relationship between the prime rate and your mortgage rate will remain the same. With a fixed rate mortgage, the interest rate will stay the same for the entire term of your mortgage. Roughly two-thirds of mortgages are fixed-rate mortgages because people like having the same rate for the entire term, especially when rates are so low and may only go higher. The future of Quebec City mortgage rates can't be predicted with any certainty, of course, but many experts are predicting they will remain low for some time. What affects mortgage rates in Quebec City? There are a number of factors that can have an effect on mortgage rates in Quebec City, not the least of which is the overall health of the economy. For the most part, mortgage rates tend to follow the same pattern as the percentage yield on Canada Bonds. All mortgage rates are based on the prime rate, which is the rate set by the Bank of Canada for their most credit-worthy customers. The amount of the prime rate is based on a wide variety of economic factors, including unemployment levels, the rate of inflation, the level of exports and the strength of the manufacturing sector. For example, when inflation is relatively high, the Bank of Canada will raise the prime rate, to increase the cost of borrowing. Likewise, when the economy is weak or inflation is low, they will reduce the prime rate, in order to encourage more borrowing and to stimulate the economy. Individual banks will set their rates based on a number of other factors, such as the level of competition and overall general market conditions. Since the Quebec City economy has been relatively strong, the housing market has also been strong, which means there is a lot of competition, which acts as a strong incentive to keep mortgage rates low. For individuals, mortgage rates can also be affected by a person's creditworthiness and the perceived level of risk; those with the best credit score will get the best rates. Of course, the buyer's level of income in relation to the value of the home will also be factored in. Which lenders provide the best mortgage rates in Quebec City? In order for a home purchase to be worthwhile for you and your family over the long haul, you'll have to know who provides the best mortgage rates in Quebec City. By comparing rates, you can save thousands of dollars over the life of your mortgage. Below are a sample of a few of the lowest current mortgage rates in Quebec City, based on lender, mortgage type and length. Keep in mind, however, these rates change constantly, so you should always check the lenders for the latest rates. First National Financial LP, 100 E University Ave,. North Tower, Suite 700, Toronto, Ontario, M5J 1V6, Canada, (416) 593-1100 RMG Mortgages, 200 King St W #400, Toronto, ON M5H 3T4, Canada, Phone: (866) 809-5800 Where can I go to track the latest mortgage rates in Quebec City? Once again, finding the best possible mortgage rates in Quebec City can possibly save you thousands of dollars. It’s important to always keep track of mortgage rates in your area throughout the home buying process. That’s why we recommend the mortgage rate tracker at James Mortgages to find out the best rate in Quebec City. It’s always up to date and can save you money.

James Knows

Why Should You Use James?

We conducted a research study in 2014, comparing the mortgage rates that home buyers received with the sophistication level of the home buyer.

We weren't at all surprised to find, that the more sophisticated the home buyer was; which means they compared more mortgage rates, did more research, had more contacts in the mortgage industry, and spent more time negotiating — the lower the mortgage rate they received.

We find this disappointing. Getting a mortgage is a commoditized, vanilla-manilla, standard process — there shouldn't be any tricks to it. After some investigation, we found that mortgage brokers get more commissions and bonus, and the banks make more money, when your rate is higher. So they use marketing and negotiation as tools to keep your rate high. Yes, a mortgage broker will tell you "this is the best rate I can get you", but if they used James and had more clients — they could afford to lower their commission, still make a living and give you the better rate.

We created James, to cut out the fat in the mortgage industry.

Our goal is to get you the same mortgage rate that mortgage brokers get for themselves. Too many people, are making far too much money, by keeping your mortgage rate high. We strongly feel that leveling the playing field and getting rid of the stacked decks is the right thing to do. Getting a mortgage shouldn't feel like hitting the casino floor in Las Vegas.

Every broker in James' private network must provide each client with the best rate possible — and the best rate, is the lowest possible rate that a lender is willing to provide once the commissions and bonuses are trimmed down to the maximum allowable level. No other organization in the mortgage industry has this mandate, and for good reason; it would slice the brokers pay cheques to bits. Our study found that in most mortgage transactions, the broker and the bank play a cat and mouse game with you, in an attempt to maximize the interest rate while keeping it just low enough that you become a client. Our boiler plate policy is clear — the rate that is typically reserved for the most sophisticated mortgage shoppers, with the most shrewd negotiation tactics and the best contacts — is the same rate every James client receives. This is our religion.

About

James

Two guys joined together for a pint and some conversation at a bar across the street from a mortgage broker convention.

They talked about the history of lending — how it was once an act of faith and kindness done between friends and family, and one of the bigger compliments you could pay someone.

Over time and as lending became more common, each community had within it a well known person of generosity, who you could go to for a loan. They'd sit with you, not because they were paid to, but because you were friends or had friends in common. They'd listen to your story, because they cared to hear it. As they considered your request for a loan, they'd ask your friends about you, and those friends of yours would speak about you candidly — because the community looked out for everyone — including the lender. If you were a good person, you got your loan. The interest rate and payback periods were understood, without being discussed. If you fell behind, you wouldn't lose your house. You were borrowing from someone who knew you and cared. You'd have a nice visit, things would be explained; maybe you'd work it off, or make alternative arrangements. What's important, is that it always worked out.

As more time passed, the last vestiges of humanity have almost fully disappeared from the lending system that most people rely upon to make a home for their families. How many people do you know, that have bought a house using money borrowed from someone they know? Really know. Not the broker, not the bank representative, not the branch manager. The answer is probably none or one. People today don't know the person(s) that truly owns their home. The place where they raise their children and create their memories. Perhaps this is a true failure of the system. Perhaps it's just a little weird.

As they talked more, they discussed how buying a house is one of the most exciting times one can experience. How important a milestone a home purchase is, and how usually, when someone buys themself a new house, it's because they got a new job, grew their family, scored a big promotion or had a serious achievement like seeing an entrepreneurial idea take flight! Sharing that excitement filled story seems like the most natural thing to do, but unfortunately, the people you get mortgages from today really don't know you well enough to care to hear it.

That conversation became James.

We want James to be a special place where you tell your story. Once James has your complete biography — a snapshot of you in a moment in time — a mortgage broker on James will arrange your mortgage. After using James once, you might use it again in the future and take a moment while doing so to look at that first edition of your life story. We think it will be a fun trip down memory lane.

Yes, James is an App, and of course, you still won't know the person(s) who's money you are using to buy your new house. However, the mortgage broker that James will introduce you to will read your entire biography with interest and sincerity, because those are the types of people James works with. They will come to know you, and once they do, they will arrange the best mortgage that the industry can offer.

With James, we are hoping to make the home buying experience a little more special — and just maybe, bring a little of that forgotten magic back.