Manzil is only partly available in Quebec as of October 2026. Its help centre states that new halal home financing applications in Quebec are temporarily paused after unforeseen technical challenges, and lists Ontario, Alberta, British Columbia, Saskatchewan, New Brunswick and Newfoundland as the provinces where Manzil Mortgage currently operates. Manzil Wills is restricted to Ontario residents. The one Manzil product a Quebec resident can open today is investing: Corex Financial, which runs Manzil's wealth products, is registered as an investment fund manager in Quebec and as a portfolio manager in every province. For a Montreal buyer the working alternatives are Eqraz's Murabaha mortgage, which says it is available in all provinces, and the Qurtuba housing co-operative, registered in Quebec since 1990.
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Manzil's own statements on Quebec, product by product
The clearest source is the Manzil help centre at help.manzil.ca, which we read on the fact-check date. The article 'Do you provide halal home financing in Quebec?' says Manzil was pleased to begin offering services in Quebec, encountered unforeseen technical challenges, and has temporarily paused new applications in the province while it works to resolve them, promising to announce when applications reopen. A companion article, 'Which provinces does Manzil Mortgage operate in?', lists six provinces and says Manzil is working toward expanding to others including Quebec and Nova Scotia. Manzil does not say what the technical challenges are, and we do not speculate; the Autorité des marchés financiers (AMF) licenses mortgage brokerage in Quebec separately from other provinces, which is a plausible context but not something Manzil states.
For wills, the help article 'Can a Manzil Will/Wassiyah be used across Canada?' answers that the will created through Manzil Wills is only available to residents of Ontario, while noting it is Islamically compliant anywhere. Quebec's Civil Code recognizes notarial wills, holograph wills and wills made in the presence of witnesses, and non-notarial wills must be probated by the court or a notary before an estate can be settled, so an Ontario-form document is not a shortcut for a Quebec resident even if Manzil opened it up. For investing, every Corex help article carries the same disclosure: Corex Financial Inc. is a registered portfolio manager in each province and territory and an investment fund manager in Alberta, Ontario, Newfoundland and Labrador, and Quebec, with assets held at custodians that are CIRO members and CIPF-covered.
| Manzil product | Quebec status (help.manzil.ca) | What Manzil says |
|---|---|---|
| Halal home financing | Paused for new applications | Technical challenges; will announce reopening |
| Manzil Invest (Corex portfolios, MNZL ETF access) | Available | Corex registered as IFM in Quebec |
| Manzil Wills | Not available | Ontario residents only |
| MNZL ETF bought directly | Available through any broker | Listed on Nasdaq; not a Manzil account |
Halal home financing in Quebec without Manzil
Two routes work today and a third depends on a phone call. Eqraz states on its FAQ that it is available across all Canadian provinces. Its product is a fixed-rate monthly Murabaha with terms up to five years and a 25-year amortization, written through an Eqraz funding vehicle that holds the legal mortgage charge, with a 2.0% commitment fee included in the disclosed effective rate and late-payment charges donated to charity. Eqraz's FAQ also names its scholars, one of whom, Mufti Mirza Zain Baig of CCIRI in Montreal, is based in Quebec, and the site offers a French-language contact line. Applications go through a third-party portal and Eqraz says to expect a reply within five business days. Only ready-to-move-in owner-occupied homes qualify, with closing within 60 days.
Qurtuba is the Quebec-native option. It is a not-for-profit housing co-operative registered in Quebec since 1990 that buys a house at a member's request and transfers title once the member has accumulated shares equal to the purchase price, funded entirely by members with no bank borrowing. Membership requires a $75 fee plus a minimum 200 shares at $10 each, so $2,075 to open an account, and the FAQ says anyone with a Canadian SIN and bank account can join regardless of province. The FAQ cites more than 1,000 Quebec families housed and a current pace of 100 to 150 purchases a year, which also means a waiting list; our Qurtuba review explains how the queue and occupancy fees work and compares the co-op model with financing.
IjaraCDC is the third name Quebec buyers raise. Its lease-to-own structure is governed by a Shariah advisory board chaired by Mufti Muneer Akhoon, and it serves Canadian clients, but we did not find a current province list on the pages we fetched, so ask directly whether it is closing files in Quebec and whether its lawyer panel includes a Quebec notary. Treat any answer as quote-only until you see a term sheet. The broader survey, including conventional lenders that Quebec Muslims have used while waiting, is in our Quebec halal mortgage options article.
The Montreal welcome tax and other Quebec closing costs
Quebec adds costs that Ontario or Alberta buyers do not meet, and they apply whether your financing is halal or conventional. The transfer duty, universally called the welcome tax (taxe de bienvenue), is charged by the municipality on a sliding scale and is payable after closing rather than at it, so budget for a bill arriving weeks after you move in. Closings in Quebec are done by a notary rather than a lawyer, and the deed of sale and the hypothec (the Quebec term for the mortgage charge) are notarial acts. A halal financier working in Quebec has to register its security as a hypothec in the Quebec land register, which is one of the structural reasons an Ontario-designed product cannot simply be copied across the border.
We do not quote the welcome tax brackets here because they change and vary by city; the Montreal rates and a worked example are in our halal home financing in Quebec guide, and the French-language version is at hypothèque halal au Québec. Use our mortgage calculator to test a payment, then add the welcome tax, notary fees and any Eqraz commitment fee on top.
Investing from Quebec: what works and the beneficiary catch
A Quebec resident can open Manzil's investing accounts because Corex is registered in the province, and can hold the TFSA, RRSP, RESP and FHSA types Corex lists in its help articles. The MNZL ETF, Manzil's Nasdaq-listed US halal fund, can also be bought directly in US dollars at any Canadian brokerage, including from Quebec; our MNZL verdict page covers the fund. The Wealthsimple Halal portfolio and the WSHR ETF are equally open to Quebec residents, and Wealthsimple serves clients in French.
The catch is beneficiaries. Across the rest of Canada you can name a beneficiary directly on a TFSA or RRSP so the account passes outside the estate. Quebec's Civil Code does not allow beneficiary designations on these registered plans (insurance contracts and annuities are the exception), so a Quebec resident's TFSA and RRSP pass under the will. That makes the will, not the account form, the place where Islamic inheritance shares are set, which is why the Ontario-only limit on Manzil Wills matters more for a Quebec investor than it first appears. Our French-language CELI and REER halal guide treats this in detail, and the Islamic will hub explains the notarial route.
French-language service by provider
- Manzil: English help centre and application; the Quebec home financing article is in English only.
- Eqraz: English site with a French contact section (demandes générales) on the FAQ, same toll-free number and hours.
- Qurtuba: fully bilingual, with French forms at qurtuba.ca/fr and a Montreal office that works in French by default.
- Wealthsimple: app, website and support available in French; Quebec residents can open managed Halal and self-directed accounts.
- IjaraCDC: English site; ask whether French-speaking staff and a Quebec notary are available before applying.
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The decision
A Montreal buyer with a down payment ready and a closing within two or three months should apply to Eqraz now, because it is the only halal financier stating all-province availability with a published term structure, and in parallel join Qurtuba if the household can wait and prefers a member-funded co-op with no external financing at all. Do not wait for Manzil; it has given no reopening date. A Quebec City saver with no near-term purchase should open the investing account that fits (Manzil through Corex, or Wealthsimple's Halal portfolio) and have a notarial will drawn that sets the Islamic shares, since the registered accounts will pass through that will. A resident planning to move to Ontario within a year can simply wait: Manzil's home financing and its online will both open up on an Ontario address, and an existing Corex investing account moves with you. For every scenario start from the home financing hub and our provider directory to confirm the current status before paying any fee. Facts checked against help.manzil.ca, manzil.ca, eqraz.com, qurtuba.ca on October 5, 2026.
Frequently asked questions
Is Manzil available in Quebec right now?
Partly. Manzil's help centre says new halal home financing applications in Quebec are temporarily paused and lists six operating provinces that do not include Quebec. Manzil Wills is limited to Ontario residents. Manzil's investing accounts, run by Corex Financial, are open to Quebec residents because Corex is registered as a portfolio manager and investment fund manager in Quebec.
Why did Manzil pause home financing in Quebec?
Manzil only says it encountered unforeseen technical challenges after starting to offer services in Quebec and that it is working to resolve them. It does not describe the challenges or give a reopening date. Quebec has its own mortgage brokerage licensing under the AMF, notarial closings and a hypothec registry, but Manzil has not said which, if any, of these is the obstacle.
Who offers a halal mortgage in Montreal instead?
Eqraz states it is available in all Canadian provinces and offers a fixed Murabaha mortgage with up to five-year terms over a 25-year amortization. Qurtuba is a Montreal-based housing co-operative that buys the home and transfers it once your shares equal the price, with no interest and no bank funding. IjaraCDC may also serve Quebec, but confirm with them directly.
Can a Quebec resident buy the MNZL ETF or use Manzil Invest?
Yes to both. MNZL is a Nasdaq-listed ETF that any Canadian brokerage can buy in US dollars for a Quebec client. Manzil Invest accounts are provided by Corex Financial, which is registered in Quebec, so a Quebec resident can open a TFSA, RRSP, RESP or FHSA there. Remember that in Quebec these plans pass under your will rather than by a beneficiary designation.
Can I use Manzil Wills if I live in Quebec?
No. Manzil's help centre says the will created through Manzil Wills is only available to Ontario residents. A Quebec resident should have a notarial will prepared, which does not need probate, or a witnessed will that will need to be probated. Either can set out Islamic inheritance shares; a notary familiar with faraid, or our faraid calculator, can produce the share table to attach.
Compare providers in your province
See side-by-side comparisons of Shariah-compliant products, or let our matcher recommend the best options for your situation.
Does the Montreal welcome tax apply to halal financing?
Yes. The transfer duty is charged by the municipality on the property transfer regardless of how the purchase is financed, and it is billed after closing. With a co-op such as Qurtuba there may be two transfers over time (to the co-op, then to the member), so ask how the duty is handled in each step before you join.
