Check Latest Mortgage Rates for Laval in April 2026
Laval is a significant urban market in Quebec, Canada, with a median home price of approximately C$475,000. Below you'll find the latest estimated mortgage rates for Laval, updated daily to reflect current lending conditions. Use these rates alongside our free calculators to estimate your monthly payment, compare loan types, and plan your home purchase or refinance with confidence.
Laval Mortgage Rates
Estimated rates as of 2026-04-04
| Product | Rate | APR | Monthly / C$100K |
|---|---|---|---|
| 5-Year Fixed | 5.32% | 5.42% | C$557 |
| 3-Year Fixed | 5.62% | 5.72% | C$621 |
| Variable Rate | 5.82% | 5.94% | C$588 |
| 1-Year Fixed | 6.07% | 6.15% | C$649 |
| HELOC Prime | 6.57% | 6.62% | C$637 |
Rates shown are estimated averages based on current market conditions and may vary by lender, credit score, loan amount, and property type. Contact a licensed mortgage professional for personalized rate quotes.
Laval Mortgage Market Overview
The Laval housing market in Quebec represents a well-established lending market in Canada. With a median home price of C$475,000, buyers in Laval have access to a range of mortgage products from both national and local lenders.
Laval's housing market offers a balance of urban amenities and relatively competitive lending, with multiple banks, credit unions, and online lenders actively serving the area. Buyers typically find a healthy mix of conventional, FHA, and VA loan options at competitive rates.
When comparing mortgage rates in Laval, remember that your actual rate depends on several factors including your credit score, down payment amount, debt-to-income ratio, and the property type. Rates shown on this page reflect market-wide averages and may differ from the specific rate you're offered.
For the most accurate picture of your mortgage costs in Laval, Quebec, we recommend using our free mortgage payment calculator alongside these rates. This combination gives you a realistic understanding of both the interest rate landscape and your actual monthly payment obligation.
Frequently Asked Questions About Mortgages in Laval
Mortgage rates in Laval, Quebec are updated daily on this page. As of today, rates vary by loan type — for example, fixed-rate mortgages and adjustable-rate products will have different rates. Scroll up to our rate table for the most current figures. Remember that individual lender quotes may differ based on your credit profile and loan amount.
Most lenders in Laval require a minimum credit score of 620 for conventional loans, though you'll get the best rates with a score of 740 or higher. FHA loans may be available with scores as low as 580. Given the median home price of C$475,000 in Laval, maintaining a strong credit score can save you tens of thousands of CAD over the life of your loan through a lower interest rate.
The choice between fixed and adjustable-rate mortgages in Laval depends on your plans. If you plan to stay in your Laval home for more than 7 years, a fixed-rate mortgage provides payment stability. If you expect to move or refinance within 5-7 years, an adjustable-rate mortgage (ARM) may offer a lower initial rate. Use our Fixed vs Adjustable Rate Calculator to compare both options with current Laval rates.
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Use current Laval rates with our free mortgage calculator to see your exact monthly payment, interest costs, and amortization schedule.