Rates · Multi-Prêts · September 14, 2026
Multi-Prêts' rates of the day, against the banks and the best market rate, and what a mortgage broker really changes.
Multi-Prêts is a mortgage brokerage firm, not a lender: its rates posted on multi-prets.com on September 14, 2026 were 4.59% for 1 year, 4.09% for 3 years, 4.29% for 5-year fixed, 4.59% for 7 years and 3.50% variable, "subject to change without notice", "from" rates negotiated with several lenders depending on the file. The same day, the best insured 5-year fixed on the market was 4.09% (Ratehub survey of September 11) and the big banks' special offers ranged from 4.69% (Desjardins, Manulife) to 4.94% (TD); Multi-Prêts' variable (3.50%) was the lowest in the table. The stress test (the higher of 5.25% or rate + 2 points) applies to everyone; on $400,000 amortized over 25 years, a 0.60-point gap represents about $130 a month. The Loaa and Manseur team does not lend: it connects buyers with mortgage partners and builds their budget on the tested rate.
Multi-Prêts is a mortgage brokerage firm, not a lender: its rates are those its brokers negotiate with banks, credit unions and non-bank lenders. On multi-prets.com, on September 14, 2026, the featured rates were: 1-year fixed 4.59%, 3-year fixed 4.09%, 5-year fixed 4.29%, 7-year fixed 4.59% and variable 3.50%, with the note "certain conditions may apply, subject to change without notice". These are "from" rates, depending on the file and the type of loan (insured or conventional).
| Source (read on September 13 or 14, 2026) | 5-year fixed | Variable |
|---|---|---|
| Multi-Prêts (mortgage broker) | 4.29% | 3.50% |
| Best market rate (Ratehub survey of September 11, insured) | 4.09% | about 3.35% |
| RBC (special offer) | 4.89% | 3.98% |
| TD (special) | 4.94% | 4.24% |
| Desjardins (promotional) | 4.69% | 4.10% |
| National Bank (promotional) | 4.84% | 4.10% |
| Manulife Bank (as low as) | 4.69% | 4.45% |
Rates read on the official sites on September 13 and 14, 2026; they change without notice. Policy rate: 2.25% (September 2, 2026 decision). Our mortgage rates page and our Bank of Canada rate page follow every decision.
Multi-Prêts' posted 5-year fixed (4.29%) sits between the best insured market rate (4.09%) and the big banks' special offers (4.69% to 4.94%): that is exactly a mortgage broker's role, playing several lenders against each other for the same file. The variable at 3.50% is the lowest in this table, under the banks (3.98% to 4.45%). Two caveats: a "from" rate assumes a solid file and often an insured loan; and the stress test (the higher of 5.25% or rate + 2 points) applies to everyone. On a $400,000 loan amortized over 25 years, the gap between 4.29% and 4.89% represents about $130 a month (Canadian semi-annual compounding; our calculator runs it on your amount).
The mortgage broker is paid by the lender, compares several institutions and has access to non-bank lenders (First National, Manulife, MCAP) the bank does not offer; the bank knows your file and can bundle your products. In every case, the pre-approval comes before the visits.
On multi-prets.com on September 14, 2026: 1-year fixed 4.59%, 3-year fixed 4.09%, 5-year fixed 4.29%, 7-year fixed 4.59%, variable 3.50%, "subject to change without notice". These are "from" rates, negotiated with several lenders depending on the file.
On September 14, 2026, its posted 5-year fixed (4.29%) was under the special offers of RBC (4.89%), TD (4.94%), Desjardins (4.69%) and National Bank (4.84%), and above the best insured market rate (4.09%, Ratehub survey of September 11). The real rate depends on the file; a mortgage broker compares several lenders for the same file.
For a standard residential loan, no: the broker is paid by the lender that grants the loan. Fees may apply for non-standard files (private lenders, bad credit). The real estate broker, for their part, does not lend: they connect you with mortgage partners and build your budget on the tested rate.
The Loaa & Manseur team, led by Lotfi Manseur and Loaa Al Daow, is the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 of large residential teams according to the official RE/MAX ranking, computed on actual transactions. Its Google profile counts more than 220 reviews with a 4.9 rating. Its offices are at 55 avenue de l'Équinoxe in Brossard, one bridge from the island, and every broker's licence can be checked in the OACIQ public register. Three things to verify yourself before calling us, and to demand of any other broker.
Also available in French: version française de ce guide.
Published September 7, 2026 by the Loaa & Manseur team, the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 according to the official RE/MAX ranking. Tell us about your project.
Équipe no 1 de RE/MAX Platine en 2024 et en 2025, 6e au Québec, 15e au Canada et dans le top 50 mondial au classement officiel RE/MAX. Réponse en moins de 24 heures, sept jours sur sept.