{"id":2390,"date":"2021-03-03T13:54:17","date_gmt":"2021-03-03T18:54:17","guid":{"rendered":"https:\/\/lescourtiershypothecaires.ca\/taux-hypothecaire\/"},"modified":"2024-10-31T14:34:15","modified_gmt":"2024-10-31T18:34:15","slug":"mortgage-rate","status":"publish","type":"page","link":"https:\/\/lescourtiershypothecaires.ca\/en\/mortgage-rate\/","title":{"rendered":"Mortgage rate"},"content":{"rendered":"<p>[vc_row full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; parallax=&#8221;enable_parallax&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; bg_position=&#8221;custom&#8221; enable_overlay=&#8221;yes&#8221; css=&#8221;.vc_custom_1663638239725{padding-bottom: 100px !important;background: #111214 url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/sean-pollock-PhYq704ffdA-unsplash.jpg?id=1107);background-position:center;background-repeat:-repeat;background-size:cover;}&#8221; responsive_css=&#8221;padding_top_large:200px|padding_bottom_large:200px|padding_right_medium:7%25|padding_bottom_medium:15vw|padding_left_medium:7%25&#8243; ca_duration=&#8221;1600&#8243; ca_start_delay=&#8221;850&#8243; ca_delay=&#8221;160&#8243; ca_init_translate_y=&#8221;25&#8243; bg_pos_h=&#8221;80%&#8221; bg_pos_v=&#8221;50%&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.59)&#8221;][vc_column]<style>.ld_fancy_heading_69d459abc0bf6 h1{color:rgb(255, 255, 255);}.ld_fancy_heading_69d459abc0bf6 h1 {padding-top:100px !important;  } .ld_fancy_heading_69d459abc0bf6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69d459abc0bf6 h1 {padding-top:100px !important;  } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69d459abc0bf6\">\n\t<h1 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines h1\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  The Best Mortgage Rate with Multi-Pr\u00eats Mortgages<\/h1><\/div><style>.ld_fancy_heading_69d459abc10fc p{color:rgb(255, 255, 255);}.ld_fancy_heading_69d459abc10fc p {font-size:17px; } .ld_fancy_heading_69d459abc10fc p {line-height:28px; } .ld_fancy_heading_69d459abc10fc p {--element-line-height:28px; } .ld_fancy_heading_69d459abc10fc .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69d459abc10fc p {font-size:17px; } .ld_fancy_heading_69d459abc10fc p {line-height:28px; } .ld_fancy_heading_69d459abc10fc p {--element-line-height:28px; } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69d459abc10fc\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-words\"  data-inview=\"true\" data-transition-delay=\"true\" data-delay-options=\"{&quot;elements&quot;:&quot;.lqd-highlight-inner&quot;,&quot;delayType&quot;:&quot;transition&quot;}\"  data-split-text=\"true\" data-split-options='{\"type\":\"words\"}' data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-words > .split-inner\",\"duration\":\"1500\",\"startDelay\":\"100\",\"delay\":\"40\",\"ease\":\"bounce.inOut\",\"direction\":\"random\",\"initValues\":{\"opacity\":0},\"animations\":{\"opacity\":1}}'>  Are you looking for a mortgage with an advantageous rate? Our brokers at <mark class=\"lqd-highlight\"><span class=\"lqd-highlight-txt\"  >Multi-Pr\u00eats<\/span><span class=\"lqd-highlight-inner\"><svg class=\"lqd-highlight-brush-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"235.509\" height=\"13.504\" viewBox=\"0 0 235.509 13.504\" aria-hidden=\"true\" preserveAspectRatio=\"none\"><path d=\"M163,.383a13.044,13.044,0,0,1,1.517-.072,3.528,3.528,0,0,1,1.237-.134q.618.044,1.237.044a.249.249,0,0,1-.1.178.337.337,0,0,0-.1.266q3.092.088,6.184-.044T178.953.4l-.206-.088a12,12,0,0,0,4.123,0,13.467,13.467,0,0,1,5.772,0q1.443-.178,2.68-.266A5.978,5.978,0,0,1,193.8.4,16.707,16.707,0,0,1,198.01.045q2.164.088,4.844.088-.618.088-.824.134L201.412.4a3.893,3.893,0,0,0,2.061,0,5.413,5.413,0,0,1,1.649-.356q.618.088,1.134.178a9.762,9.762,0,0,0,1.544.09,17,17,0,0,1,3.092-.266q1.649,0,3.5.178,2.886.088,5.875.044t5.875-.222q0,.088.206.088h.412a21.975,21.975,0,0,0,2.577.889A12.458,12.458,0,0,1,232.12,2.18a3.962,3.962,0,0,1,1.031.622A3.349,3.349,0,0,1,234.8,3.825a5.079,5.079,0,0,1,.618,1.111q.412.534-1.031.98-1.031.444-.618.98a2.09,2.09,0,0,1,.206.889q0,.444.825.889.618.8-.206,1.245l-1.237.534q-1.443-.088-2.68-.134a17.255,17.255,0,0,1-2.267-.222,3.128,3.128,0,0,0-.928-.044,3.129,3.129,0,0,1-.928-.044q-2.267-.178-4.432-.266T217.7,9.476q-1.649-.088-2.886-.088a17.343,17.343,0,0,1-2.474-.178q-3.916,0-7.73-.088t-7.73-.266l-12.471-.178q-6.287-.088-12.883-.088h-1.958q-.928,0-1.958.088h-2.061q-1.031,0-2.061-.088-2.68-.088-5.256-.134t-5.256.044h-5.462q-2.577,0-5.462.088-4.535.088-8.76.178t-8.554.088q-2.886.088-5.875.088t-5.875.088q-1.443.088-2.886.134t-3.092.044q-4.741.178-9.791.312t-9.791.312q-2.267.088-4.329.088T78.77,10.1q-4.329.266-8.863.49t-9.276.49q-1.237.088-2.68.134a24.356,24.356,0,0,0-2.683.224q-2.68.178-5.462.312t-5.668.4q-2.474.266-4.741.312t-4.741.044q-1.031-.088-1.958-.134a9.684,9.684,0,0,1-1.958-.312,12.5,12.5,0,0,0-1.443-.312q-.825-.134-1.856-.31-2.886.356-6.39.666t-6.8.845a26.709,26.709,0,0,1-2.886.356,20.758,20.758,0,0,1-9.482-.889Q.232,11.962.026,11.25T1.263,9.917q0-.266.825-.266a13.039,13.039,0,0,0,2.886-.444A17.187,17.187,0,0,1,7.86,8.672q3.092-.266,6.184-.8,1.649-.178,3.3-.312t3.5-.312q4.123-.354,8.039-.712t8.039-.622q9.478-.8,18.758-1.338,2.68-.178,5.153-.356t4.741-.356q2.474-.178,5.05-.356T75.88,3.24h1.34a4.829,4.829,0,0,0,1.34-.178q2.267-.178,4.329-.222t4.329-.134a7.256,7.256,0,0,1,2.267,0,3.459,3.459,0,0,0,1.031-.088,6.009,6.009,0,0,1,2.37-.266,14.745,14.745,0,0,0,2.783-.088q1.649,0,2.474.088a1.308,1.308,0,0,1,.185.011,1.226,1.226,0,0,1,.33-.1,3.656,3.656,0,0,0,.515-.088,4.433,4.433,0,0,1,2.886.266q.412-.088,1.031-.178l1.237-.178q.412,0,1.031.044a5.761,5.761,0,0,0,1.237-.044q2.886-.088,5.772-.044a53.829,53.829,0,0,0,5.772-.222,9.505,9.505,0,0,1,1.34-.088h1.34a4.428,4.428,0,0,1,.821-.258l.825-.178a15.178,15.178,0,0,1,1.855.444,3.028,3.028,0,0,1,1.031-.534,4.039,4.039,0,0,1,1.443-.178,6.158,6.158,0,0,1,1.649.178,5.05,5.05,0,0,0,2.267.268q1.855-.088,3.813-.134T138.13,1.2q1.031,0,2.164-.044t2.37-.044q-.206-.088.412-.534h3.092q.412,0,.309.266t.928,0a5.845,5.845,0,0,1,1.443,0,31.833,31.833,0,0,0,5.359.088,21.471,21.471,0,0,1,6.8.178,5.236,5.236,0,0,0,1.031-.4q.412-.222.825-.4a.694.694,0,0,1,.137.07Z\" transform=\"translate(0 0.002)\"\/><\/svg><\/span><\/mark> are here to assist you!<\/p><\/div><style>.ld_spacer_69d459abc1772{height:15px;}<\/style>\n<div class=\"ld-empty-space ld_spacer_69d459abc1772\"><\/div><style>.ld_fancy_heading_69d459abc1a10 p{color:rgb(255, 255, 255);}.ld_fancy_heading_69d459abc1a10 p {font-size:17px; } .ld_fancy_heading_69d459abc1a10 p {line-height:28px; } .ld_fancy_heading_69d459abc1a10 p {--element-line-height:28px; } .ld_fancy_heading_69d459abc1a10 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69d459abc1a10 p {font-size:17px; } .ld_fancy_heading_69d459abc1a10 p {line-height:28px; } .ld_fancy_heading_69d459abc1a10 p {--element-line-height:28px; } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69d459abc1a10\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-words\"  data-inview=\"true\" data-transition-delay=\"true\" data-delay-options=\"{&quot;elements&quot;:&quot;.lqd-highlight-inner&quot;,&quot;delayType&quot;:&quot;transition&quot;}\"  data-split-text=\"true\" data-split-options='{\"type\":\"words\"}' data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-words > .split-inner\",\"duration\":\"1500\",\"startDelay\":\"100\",\"delay\":\"40\",\"ease\":\"bounce.inOut\",\"direction\":\"random\",\"initValues\":{\"opacity\":0},\"animations\":{\"opacity\":1}}'>  <span style=\"font-weight: 400\">Wondering who to contact to find the best mortgage rate? A broker from the Distinction team at <mark class=\"lqd-highlight\"><span class=\"lqd-highlight-txt\"  >Multi-Pr\u00eats<\/span><span class=\"lqd-highlight-inner\"><svg class=\"lqd-highlight-brush-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"235.509\" height=\"13.504\" viewBox=\"0 0 235.509 13.504\" aria-hidden=\"true\" preserveAspectRatio=\"none\"><path d=\"M163,.383a13.044,13.044,0,0,1,1.517-.072,3.528,3.528,0,0,1,1.237-.134q.618.044,1.237.044a.249.249,0,0,1-.1.178.337.337,0,0,0-.1.266q3.092.088,6.184-.044T178.953.4l-.206-.088a12,12,0,0,0,4.123,0,13.467,13.467,0,0,1,5.772,0q1.443-.178,2.68-.266A5.978,5.978,0,0,1,193.8.4,16.707,16.707,0,0,1,198.01.045q2.164.088,4.844.088-.618.088-.824.134L201.412.4a3.893,3.893,0,0,0,2.061,0,5.413,5.413,0,0,1,1.649-.356q.618.088,1.134.178a9.762,9.762,0,0,0,1.544.09,17,17,0,0,1,3.092-.266q1.649,0,3.5.178,2.886.088,5.875.044t5.875-.222q0,.088.206.088h.412a21.975,21.975,0,0,0,2.577.889A12.458,12.458,0,0,1,232.12,2.18a3.962,3.962,0,0,1,1.031.622A3.349,3.349,0,0,1,234.8,3.825a5.079,5.079,0,0,1,.618,1.111q.412.534-1.031.98-1.031.444-.618.98a2.09,2.09,0,0,1,.206.889q0,.444.825.889.618.8-.206,1.245l-1.237.534q-1.443-.088-2.68-.134a17.255,17.255,0,0,1-2.267-.222,3.128,3.128,0,0,0-.928-.044,3.129,3.129,0,0,1-.928-.044q-2.267-.178-4.432-.266T217.7,9.476q-1.649-.088-2.886-.088a17.343,17.343,0,0,1-2.474-.178q-3.916,0-7.73-.088t-7.73-.266l-12.471-.178q-6.287-.088-12.883-.088h-1.958q-.928,0-1.958.088h-2.061q-1.031,0-2.061-.088-2.68-.088-5.256-.134t-5.256.044h-5.462q-2.577,0-5.462.088-4.535.088-8.76.178t-8.554.088q-2.886.088-5.875.088t-5.875.088q-1.443.088-2.886.134t-3.092.044q-4.741.178-9.791.312t-9.791.312q-2.267.088-4.329.088T78.77,10.1q-4.329.266-8.863.49t-9.276.49q-1.237.088-2.68.134a24.356,24.356,0,0,0-2.683.224q-2.68.178-5.462.312t-5.668.4q-2.474.266-4.741.312t-4.741.044q-1.031-.088-1.958-.134a9.684,9.684,0,0,1-1.958-.312,12.5,12.5,0,0,0-1.443-.312q-.825-.134-1.856-.31-2.886.356-6.39.666t-6.8.845a26.709,26.709,0,0,1-2.886.356,20.758,20.758,0,0,1-9.482-.889Q.232,11.962.026,11.25T1.263,9.917q0-.266.825-.266a13.039,13.039,0,0,0,2.886-.444A17.187,17.187,0,0,1,7.86,8.672q3.092-.266,6.184-.8,1.649-.178,3.3-.312t3.5-.312q4.123-.354,8.039-.712t8.039-.622q9.478-.8,18.758-1.338,2.68-.178,5.153-.356t4.741-.356q2.474-.178,5.05-.356T75.88,3.24h1.34a4.829,4.829,0,0,0,1.34-.178q2.267-.178,4.329-.222t4.329-.134a7.256,7.256,0,0,1,2.267,0,3.459,3.459,0,0,0,1.031-.088,6.009,6.009,0,0,1,2.37-.266,14.745,14.745,0,0,0,2.783-.088q1.649,0,2.474.088a1.308,1.308,0,0,1,.185.011,1.226,1.226,0,0,1,.33-.1,3.656,3.656,0,0,0,.515-.088,4.433,4.433,0,0,1,2.886.266q.412-.088,1.031-.178l1.237-.178q.412,0,1.031.044a5.761,5.761,0,0,0,1.237-.044q2.886-.088,5.772-.044a53.829,53.829,0,0,0,5.772-.222,9.505,9.505,0,0,1,1.34-.088h1.34a4.428,4.428,0,0,1,.821-.258l.825-.178a15.178,15.178,0,0,1,1.855.444,3.028,3.028,0,0,1,1.031-.534,4.039,4.039,0,0,1,1.443-.178,6.158,6.158,0,0,1,1.649.178,5.05,5.05,0,0,0,2.267.268q1.855-.088,3.813-.134T138.13,1.2q1.031,0,2.164-.044t2.37-.044q-.206-.088.412-.534h3.092q.412,0,.309.266t.928,0a5.845,5.845,0,0,1,1.443,0,31.833,31.833,0,0,0,5.359.088,21.471,21.471,0,0,1,6.8.178,5.236,5.236,0,0,0,1.031-.4q.412-.222.825-.4a.694.694,0,0,1,.137.07Z\" transform=\"translate(0 0.002)\"\/><\/svg><\/span><\/mark>, of course! If you\u2019re a creditworthy borrower, we have good news: you have a favorable position to negotiate advantageous financing terms, including lower mortgage rates.<\/span><\/p><\/div>[vc_row_inner css=&#8221;.vc_custom_1662635428011{padding-top: 20px !important;padding-bottom: 20px !important;}&#8221;][vc_column_inner responsive_align=&#8221;text-center&#8221;]<style>.ld_button_69d459abc1e76.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69d459abc1e76.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69d459abc1e76.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69d459abc1e76{background-color:#b8952c;border-color:#b8952c;}.ld_button_69d459abc1e76:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69d459abc1e76 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69d459abc1e76 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69d459abc1e76 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69d459abc1e76:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69d459abc1e76:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/get-my-rate\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69d459abc1e76 vc_custom_1671065580089\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"get my rate\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>get my rate<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column css=&#8221;.vc_custom_1608189980216{padding-top: 17px !important;}&#8221;][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;rgba(255,255,255,0.23)&#8221;][\/vc_column][\/vc_row][vc_row parallax=&#8221;enable_parallax&#8221; css=&#8221;.vc_custom_1699549412855{padding-top: 50px !important;padding-bottom: 50px !important;background-color: #232424 !important;background-position: 0 0;background-repeat:-repeat;}&#8221;][vc_column enable_hover_move=&#8221;lqd-column-move-onhover&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; ca_duration=&#8221;1000&#8243; ca_delay=&#8221;120&#8243; ca_init_translate_y=&#8221;70&#8243;][vc_raw_html]JTNDZGl2JTIwaWQlM0QlMjJyYXRlcy12aWV3JTIyJTNFJTNDJTJGZGl2JTNFJTBBJTNDc2NyaXB0JTNFJTBBalF1ZXJ5JTI4ZG9jdW1lbnQlMjkucmVhZHklMjhmdW5jdGlvbiUyOCUyOSUyMCU3QiUwQSUwOWpRdWVyeSUyOCUyMiUyM3JhdGVzLXZpZXclMjIlMjkucmF0ZXNfdmlldyUyOCUyN2VuJTI3JTJDJTIwJTI3dmVyc2lvbiUzRHBlcnJlYXVsdCUyNyUyOSUzQiUwQSU3RCUyOSUzQiUwQSUzQyUyRnNjcmlwdCUzRQ==[\/vc_raw_html]<style>.ld_fancy_heading_69d459abc28b0 p{color:rgb(255, 255, 255);}.ld_fancy_heading_69d459abc28b0 p {font-size:17px; } .ld_fancy_heading_69d459abc28b0 p {line-height:28px; } .ld_fancy_heading_69d459abc28b0 p {--element-line-height:28px; } .ld_fancy_heading_69d459abc28b0 p {margin-bottom:2em !important;  } .ld_fancy_heading_69d459abc28b0 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69d459abc28b0 p {font-size:17px; } .ld_fancy_heading_69d459abc28b0 p {line-height:28px; } .ld_fancy_heading_69d459abc28b0 p {--element-line-height:28px; } .ld_fancy_heading_69d459abc28b0 p {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69d459abc28b0\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  The difference is evident! Especially for a mortgage loan totalling hundreds of thousands of dollars, it&#8217;s worth it!<\/p><\/div>[\/vc_column][\/vc_row][vc_row parallax=&#8221;enable_parallax&#8221; css=&#8221;.vc_custom_1663638251973{padding-top: 50px !important;padding-bottom: 100px !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/07\/drew-beamer-kUHfMW8awpE-unsplash.jpg?id=821) !important;background-position: center;background-repeat: no-repeat;background-size:cover;}&#8221;][vc_column enable_hover_move=&#8221;lqd-column-move-onhover&#8221; width=&#8221;1\/2&#8243; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; css=&#8221;.vc_custom_1660816182660{padding-top: 100px !important;}&#8221; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_69d459abc3230 h6 {font-size:13px; } .ld_fancy_heading_69d459abc3230 h6 {font-weight:700; } .ld_fancy_heading_69d459abc3230 h6 {letter-spacing:0.7em; } .ld_fancy_heading_69d459abc3230 h6 {margin-bottom:2em !important;  } .ld_fancy_heading_69d459abc3230 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc3230 h6 {font-size:13px; } .ld_fancy_heading_69d459abc3230 h6 {font-weight:700; } .ld_fancy_heading_69d459abc3230 h6 {letter-spacing:0.7em; } .ld_fancy_heading_69d459abc3230 h6 {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading text-uppercase ld_fancy_heading_69d459abc3230\">\n\t<h6 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  The best mortgage rate<\/h6><\/div><style>.ld_fancy_heading_69d459abc3ce2 h2{color:rgb(0, 0, 0);}.ld_fancy_heading_69d459abc3ce2 h2 {font-size:60px; } .ld_fancy_heading_69d459abc3ce2 h2 {line-height:60px; } .ld_fancy_heading_69d459abc3ce2 h2 {--element-line-height:60px; } .ld_fancy_heading_69d459abc3ce2 h2 {font-weight:500; } .ld_fancy_heading_69d459abc3ce2 h2 {margin-bottom:0.6em !important;  } .ld_fancy_heading_69d459abc3ce2 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc3ce2 h2 {font-size:60px; } .ld_fancy_heading_69d459abc3ce2 h2 {line-height:60px; } .ld_fancy_heading_69d459abc3ce2 h2 {--element-line-height:60px; } .ld_fancy_heading_69d459abc3ce2 h2 {font-weight:500; } .ld_fancy_heading_69d459abc3ce2 h2 {margin-bottom:0.6em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc3ce2\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Multi-Pr\u00eats<\/h2><\/div>[vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;rgb(143, 143, 143)&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;margin_right_large:-50px&#8221; ca_duration=&#8221;1000&#8243; ca_delay=&#8221;120&#8243; ca_init_translate_y=&#8221;70&#8243;]<style>.ld_fancy_heading_69d459abc4346 h2{color:rgb(0, 0, 0);}.ld_fancy_heading_69d459abc4346 h2 {padding-top:100px !important;  } .ld_fancy_heading_69d459abc4346 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc4346 h2 {padding-top:100px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc4346\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines h2\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  The Best Rates on the Market with Multi-Pr\u00eats Mortgages<\/h2><\/div><style>.ld_fancy_heading_69d459abc4658 p{color:rgb(0, 0, 0);}.ld_fancy_heading_69d459abc4658 p {font-size:17px; } .ld_fancy_heading_69d459abc4658 p {line-height:28px; } .ld_fancy_heading_69d459abc4658 p {--element-line-height:28px; } .ld_fancy_heading_69d459abc4658 p {margin-bottom:2em !important;  } .ld_fancy_heading_69d459abc4658 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69d459abc4658 p {font-size:17px; } .ld_fancy_heading_69d459abc4658 p {line-height:28px; } .ld_fancy_heading_69d459abc4658 p {--element-line-height:28px; } .ld_fancy_heading_69d459abc4658 p {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc4658\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  After more than three decades of innovation in mortgage brokerage, Multi-Pr\u00eats Mortgages has become a leading reference in Quebec. Its teams of brokers are at your service, offering guidance and personalized advice. The Distinction team is proud to uphold this noble mission!<\/p><\/div><style>.ld_fancy_heading_69d459abc4962 p{color:rgb(0, 0, 0);}.ld_fancy_heading_69d459abc4962 p {font-size:17px; } .ld_fancy_heading_69d459abc4962 p {line-height:28px; } .ld_fancy_heading_69d459abc4962 p {--element-line-height:28px; } .ld_fancy_heading_69d459abc4962 p {margin-bottom:2em !important;  } .ld_fancy_heading_69d459abc4962 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69d459abc4962 p {font-size:17px; } .ld_fancy_heading_69d459abc4962 p {line-height:28px; } .ld_fancy_heading_69d459abc4962 p {--element-line-height:28px; } .ld_fancy_heading_69d459abc4962 p {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc4962\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"  data-inview=\"true\" data-transition-delay=\"true\" data-delay-options=\"{&quot;elements&quot;:&quot;.lqd-highlight-inner&quot;,&quot;delayType&quot;:&quot;transition&quot;}\"  data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  Securing a competitive rate on your behalf is one of our various priorities, though our services go far beyond this aspect of financing. To explore what sets us apart, take a look at the chart below; illustrating the discrepancy between rates obtained by a <mark class=\"lqd-highlight\"><span class=\"lqd-highlight-txt\"  >Multi-Pr\u00eats broker<\/span><span class=\"lqd-highlight-inner\"><svg class=\"lqd-highlight-brush-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"235.509\" height=\"13.504\" viewBox=\"0 0 235.509 13.504\" aria-hidden=\"true\" preserveAspectRatio=\"none\"><path d=\"M163,.383a13.044,13.044,0,0,1,1.517-.072,3.528,3.528,0,0,1,1.237-.134q.618.044,1.237.044a.249.249,0,0,1-.1.178.337.337,0,0,0-.1.266q3.092.088,6.184-.044T178.953.4l-.206-.088a12,12,0,0,0,4.123,0,13.467,13.467,0,0,1,5.772,0q1.443-.178,2.68-.266A5.978,5.978,0,0,1,193.8.4,16.707,16.707,0,0,1,198.01.045q2.164.088,4.844.088-.618.088-.824.134L201.412.4a3.893,3.893,0,0,0,2.061,0,5.413,5.413,0,0,1,1.649-.356q.618.088,1.134.178a9.762,9.762,0,0,0,1.544.09,17,17,0,0,1,3.092-.266q1.649,0,3.5.178,2.886.088,5.875.044t5.875-.222q0,.088.206.088h.412a21.975,21.975,0,0,0,2.577.889A12.458,12.458,0,0,1,232.12,2.18a3.962,3.962,0,0,1,1.031.622A3.349,3.349,0,0,1,234.8,3.825a5.079,5.079,0,0,1,.618,1.111q.412.534-1.031.98-1.031.444-.618.98a2.09,2.09,0,0,1,.206.889q0,.444.825.889.618.8-.206,1.245l-1.237.534q-1.443-.088-2.68-.134a17.255,17.255,0,0,1-2.267-.222,3.128,3.128,0,0,0-.928-.044,3.129,3.129,0,0,1-.928-.044q-2.267-.178-4.432-.266T217.7,9.476q-1.649-.088-2.886-.088a17.343,17.343,0,0,1-2.474-.178q-3.916,0-7.73-.088t-7.73-.266l-12.471-.178q-6.287-.088-12.883-.088h-1.958q-.928,0-1.958.088h-2.061q-1.031,0-2.061-.088-2.68-.088-5.256-.134t-5.256.044h-5.462q-2.577,0-5.462.088-4.535.088-8.76.178t-8.554.088q-2.886.088-5.875.088t-5.875.088q-1.443.088-2.886.134t-3.092.044q-4.741.178-9.791.312t-9.791.312q-2.267.088-4.329.088T78.77,10.1q-4.329.266-8.863.49t-9.276.49q-1.237.088-2.68.134a24.356,24.356,0,0,0-2.683.224q-2.68.178-5.462.312t-5.668.4q-2.474.266-4.741.312t-4.741.044q-1.031-.088-1.958-.134a9.684,9.684,0,0,1-1.958-.312,12.5,12.5,0,0,0-1.443-.312q-.825-.134-1.856-.31-2.886.356-6.39.666t-6.8.845a26.709,26.709,0,0,1-2.886.356,20.758,20.758,0,0,1-9.482-.889Q.232,11.962.026,11.25T1.263,9.917q0-.266.825-.266a13.039,13.039,0,0,0,2.886-.444A17.187,17.187,0,0,1,7.86,8.672q3.092-.266,6.184-.8,1.649-.178,3.3-.312t3.5-.312q4.123-.354,8.039-.712t8.039-.622q9.478-.8,18.758-1.338,2.68-.178,5.153-.356t4.741-.356q2.474-.178,5.05-.356T75.88,3.24h1.34a4.829,4.829,0,0,0,1.34-.178q2.267-.178,4.329-.222t4.329-.134a7.256,7.256,0,0,1,2.267,0,3.459,3.459,0,0,0,1.031-.088,6.009,6.009,0,0,1,2.37-.266,14.745,14.745,0,0,0,2.783-.088q1.649,0,2.474.088a1.308,1.308,0,0,1,.185.011,1.226,1.226,0,0,1,.33-.1,3.656,3.656,0,0,0,.515-.088,4.433,4.433,0,0,1,2.886.266q.412-.088,1.031-.178l1.237-.178q.412,0,1.031.044a5.761,5.761,0,0,0,1.237-.044q2.886-.088,5.772-.044a53.829,53.829,0,0,0,5.772-.222,9.505,9.505,0,0,1,1.34-.088h1.34a4.428,4.428,0,0,1,.821-.258l.825-.178a15.178,15.178,0,0,1,1.855.444,3.028,3.028,0,0,1,1.031-.534,4.039,4.039,0,0,1,1.443-.178,6.158,6.158,0,0,1,1.649.178,5.05,5.05,0,0,0,2.267.268q1.855-.088,3.813-.134T138.13,1.2q1.031,0,2.164-.044t2.37-.044q-.206-.088.412-.534h3.092q.412,0,.309.266t.928,0a5.845,5.845,0,0,1,1.443,0,31.833,31.833,0,0,0,5.359.088,21.471,21.471,0,0,1,6.8.178,5.236,5.236,0,0,0,1.031-.4q.412-.222.825-.4a.694.694,0,0,1,.137.07Z\" transform=\"translate(0 0.002)\"\/><\/svg><\/span><\/mark> versus those posted by major Canadian banks.<\/p><\/div>[vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;60&#8243; accent_color=&#8221;rgb(130, 130, 130)&#8221; css=&#8221;.vc_custom_1657548548337{padding-top: 5% !important;padding-bottom: 5% !important;}&#8221;][\/vc_column][\/vc_row][vc_row gap=&#8221;30&#8243; enable_content_animation=&#8221;yes&#8221; animation_preset=&#8221;Fade In Up&#8221; responsive_css=&#8221;padding_top_medium:130px|padding_bottom_medium:130px&#8221; css=&#8221;.vc_custom_1662482954275{margin-top: 20px !important;padding-top: 70px !important;padding-bottom: 70px !important;}&#8221;][vc_column offset=&#8221;vc_col-md-6&#8243; responsive_css=&#8221;margin_bottom_medium:0px|margin_bottom_small:160px&#8221; css=&#8221;.vc_custom_1621864061246{margin-bottom: 70px !important;}&#8221;]<div id=\"ld_images_group_container_69d459abc4ccd\" class=\"lqd-imggrp-container ld_images_group_container_69d459abc4ccd\"   >\n\t<div class=\"lqd-imggrp-inner\">\n\t\t<div id=\"ld_images_group_element_69d459abc5051\" class=\"lqd-imggrp-single ld_images_group_element_69d459abc5051\" data-shadow-style=\"4\" data-roundness=\"8\" data-inview=\"true\" data-animate-shadow=\"true\" data-hover3d=\"true\"  >\n\t\n\t<div class=\"lqd-imggrp-img-container\" data-stacking-factor=\"1\"   >\n\t\t\n\t\t\t\t\n\t\t\t\t<figure ><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"1440\" src=\"https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/steven-wright-ZhWOMuL8ndY-unsplash.jpg\" srcset=\"https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/steven-wright-ZhWOMuL8ndY-unsplash-200x300.jpg 200w, https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/steven-wright-ZhWOMuL8ndY-unsplash-683x1024.jpg 683w, https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/steven-wright-ZhWOMuL8ndY-unsplash.jpg 1920w\" class=\"\" alt=\"\" \/><\/figure>\t\t\t\t\t\t\t\t\n\t<\/div><!-- \/.lqd-imggrp-content -->\n<\/div><!-- \/.lqd-imggrp-single -->\n\t\n\t<\/div><!-- \/.lqd-imggrp-inner -->\n<\/div><!-- \/.lqd-imggrp-container -->[\/vc_column][vc_column width=&#8221;1\/2&#8243;]<style>.ld_fancy_heading_69d459abc5e98 h6{background:#edf3f7;}.ld_fancy_heading_69d459abc5e98 h6 {font-size:13px; } .ld_fancy_heading_69d459abc5e98 h6 {letter-spacing:0.05em; } .ld_fancy_heading_69d459abc5e98 h6 {padding-top:6px !important; padding-right:13px !important; padding-bottom:6px !important; padding-left:13px !important;  } .ld_fancy_heading_69d459abc5e98 h6 {margin-bottom:2em !important;  } .ld_fancy_heading_69d459abc5e98 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc5e98 h6 {font-size:13px; } .ld_fancy_heading_69d459abc5e98 h6 {letter-spacing:0.05em; } .ld_fancy_heading_69d459abc5e98 h6 {padding-top:6px !important; padding-right:13px !important; padding-bottom:6px !important; padding-left:13px !important;  } .ld_fancy_heading_69d459abc5e98 h6 {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld-fh-has-fill text-uppercase ld_fancy_heading_69d459abc5e98\">\n\t<h6 class=\"ld-fh-element circle lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Open or closed?<\/h6><\/div><style>.ld_fancy_heading_69d459abc6aed h2 {margin-bottom:0.35em !important;  } .ld_fancy_heading_69d459abc6aed .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc6aed h2 {margin-bottom:0.35em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc6aed\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Open or closed mortgage?<\/h2><\/div><style>.ld_fancy_heading_69d459abc7737 p {font-size:18px; } .ld_fancy_heading_69d459abc7737 p {margin-bottom:1.50em !important;  } .ld_fancy_heading_69d459abc7737 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc7737 p {font-size:18px; } .ld_fancy_heading_69d459abc7737 p {margin-bottom:1.50em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc7737\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Open or closed mortgage: which one is better for you?<\/p><\/div><style>.vc_accordion_69d459abc8695 .accordion-title{font-size:19px;font-weight:500;}<\/style><div class=\"accordion accordion-md accordion-title-underlined vc_accordion_69d459abc8695\" id=\"vc_accordion_69d459abc8695\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621849870257-a6c90671-f7f1b480-32bf\" data-id=\"lqd-1621849870257-a6c90671-f7f1b480-32bf\">\n                    <h3 class=\"accordion-title\" data-controls=\"lqd-1621849870257-a6c90671-f7f1b480-32bf\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69d459abc8695\" data-bs-parent=\"#vc_accordion_69d459abc8695\" href=\"#lqd-1621849870257-a6c90671-f7f1b480-32bf\" data-bs-target=\"#lqd-1621849870257-a6c90671-f7f1b480-32bf\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1621849870257-a6c90671-f7f1b480-32bf\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tOpened Mortgage\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h3>\n                <\/div>\n\n                <div id=\"lqd-1621849870257-a6c90671-f7f1b480-32bf\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_69d459abc8695\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621849870257-a6c90671-f7f1b480-32bf\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69d459abc7fe0 p {margin-bottom:0px !important;  } .ld_fancy_heading_69d459abc7fe0 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc7fe0 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc7fe0\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">An open mortgage typically costs more because it allows clients to pay off the loan at any time without fees or penalties. It\u2019s rare for a client to choose an open rate, usually only when the mortgage term has ended, and they request an open rate while finalizing their file with another bank.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The open rate is also a good option if the term has just ended and the client knows they\u2019ll be selling the house soon. They may opt for an open rate to avoid penalties when selling. This option offers more flexibility for managing and planning repayments. If you want to pay off the loan early, there\u2019s no penalty. You\u2019re also free to accelerate your loan repayment without extra fees.<\/span><\/p>\n<p><span style=\"font-weight: 400\">This option may suit you if you plan to repay more than 20% of the mortgage early or intend to sell your property well before the end of the term. It\u2019s the perfect choice for those \u201callergic\u201d to long-term commitments!<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621850133313-fcc50966-e093b480-32bf\" data-id=\"lqd-1621850133313-fcc50966-e093b480-32bf\">\n                    <h3 class=\"accordion-title\" data-controls=\"lqd-1621850133313-fcc50966-e093b480-32bf\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69d459abc8695\" data-bs-parent=\"#vc_accordion_69d459abc8695\" href=\"#lqd-1621850133313-fcc50966-e093b480-32bf\" data-bs-target=\"#lqd-1621850133313-fcc50966-e093b480-32bf\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1621850133313-fcc50966-e093b480-32bf\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tClosed Mortgage\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h3>\n                <\/div>\n\n                <div id=\"lqd-1621850133313-fcc50966-e093b480-32bf\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69d459abc8695\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621850133313-fcc50966-e093b480-32bf\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69d459abc849a p {margin-bottom:0px !important;  } .ld_fancy_heading_69d459abc849a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc849a p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc849a\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">This flexibility, however, doesn\u2019t exist with a closed mortgage. In this type of contract, the term extends over several years. While an open mortgage lasts between 6 months and 1 year, a closed mortgage can range from 6 months to 10 years. However, longer terms aren\u2019t as popular; the most common are the 5-year fixed and 5-year variable terms.<\/span><\/p>\n<p><span style=\"font-weight: 400\">With a lower rate than an open mortgage, a closed mortgage is ideal if you seek consistency in your loan amortization and are concerned about rate fluctuations (e.g., with a 5-year fixed rate). As you might guess, it\u2019s the choice of those who want a stable, predictable relationship.<\/span><\/p>\n<p>&nbsp;<\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;0&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1663638441793{padding-bottom: 100px !important;background-color: #fafafa !important;}&#8221; responsive_css=&#8221;margin_bottom_large:0px|padding_bottom_large:0px&#8221;][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;padding_top_medium:90px|padding_right_medium:12%25|padding_bottom_medium:90px|padding_left_medium:12%25&#8243; css=&#8221;.vc_custom_1607346561233{padding-top: 60px !important;padding-right: 15px !important;padding-left: 15px !important;}&#8221; offset=&#8221;vc_col-md-6&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_x=&#8221;0&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_69d459abc8953 h2 {margin-bottom:0.35em !important;  } .ld_fancy_heading_69d459abc8953 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:rgba(184, 149, 44, 0.71)!important;}.ld_fancy_heading_69d459abc8953 h2 {margin-bottom:0.35em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc8953\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left lqd-highlight-reset-onhover text-decoration-default\"  data-inview=\"true\" data-transition-delay=\"true\" data-delay-options=\"{&quot;elements&quot;:&quot;.lqd-highlight-inner&quot;,&quot;delayType&quot;:&quot;transition&quot;}\"  >  <mark class=\"lqd-highlight\"><span class=\"lqd-highlight-txt\"  >Interest Rates&lt;br \/&gt;\n<\/span><span class=\"lqd-highlight-inner\"><svg class=\"lqd-highlight-brush-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"235.509\" height=\"13.504\" viewBox=\"0 0 235.509 13.504\" aria-hidden=\"true\" preserveAspectRatio=\"none\"><path d=\"M163,.383a13.044,13.044,0,0,1,1.517-.072,3.528,3.528,0,0,1,1.237-.134q.618.044,1.237.044a.249.249,0,0,1-.1.178.337.337,0,0,0-.1.266q3.092.088,6.184-.044T178.953.4l-.206-.088a12,12,0,0,0,4.123,0,13.467,13.467,0,0,1,5.772,0q1.443-.178,2.68-.266A5.978,5.978,0,0,1,193.8.4,16.707,16.707,0,0,1,198.01.045q2.164.088,4.844.088-.618.088-.824.134L201.412.4a3.893,3.893,0,0,0,2.061,0,5.413,5.413,0,0,1,1.649-.356q.618.088,1.134.178a9.762,9.762,0,0,0,1.544.09,17,17,0,0,1,3.092-.266q1.649,0,3.5.178,2.886.088,5.875.044t5.875-.222q0,.088.206.088h.412a21.975,21.975,0,0,0,2.577.889A12.458,12.458,0,0,1,232.12,2.18a3.962,3.962,0,0,1,1.031.622A3.349,3.349,0,0,1,234.8,3.825a5.079,5.079,0,0,1,.618,1.111q.412.534-1.031.98-1.031.444-.618.98a2.09,2.09,0,0,1,.206.889q0,.444.825.889.618.8-.206,1.245l-1.237.534q-1.443-.088-2.68-.134a17.255,17.255,0,0,1-2.267-.222,3.128,3.128,0,0,0-.928-.044,3.129,3.129,0,0,1-.928-.044q-2.267-.178-4.432-.266T217.7,9.476q-1.649-.088-2.886-.088a17.343,17.343,0,0,1-2.474-.178q-3.916,0-7.73-.088t-7.73-.266l-12.471-.178q-6.287-.088-12.883-.088h-1.958q-.928,0-1.958.088h-2.061q-1.031,0-2.061-.088-2.68-.088-5.256-.134t-5.256.044h-5.462q-2.577,0-5.462.088-4.535.088-8.76.178t-8.554.088q-2.886.088-5.875.088t-5.875.088q-1.443.088-2.886.134t-3.092.044q-4.741.178-9.791.312t-9.791.312q-2.267.088-4.329.088T78.77,10.1q-4.329.266-8.863.49t-9.276.49q-1.237.088-2.68.134a24.356,24.356,0,0,0-2.683.224q-2.68.178-5.462.312t-5.668.4q-2.474.266-4.741.312t-4.741.044q-1.031-.088-1.958-.134a9.684,9.684,0,0,1-1.958-.312,12.5,12.5,0,0,0-1.443-.312q-.825-.134-1.856-.31-2.886.356-6.39.666t-6.8.845a26.709,26.709,0,0,1-2.886.356,20.758,20.758,0,0,1-9.482-.889Q.232,11.962.026,11.25T1.263,9.917q0-.266.825-.266a13.039,13.039,0,0,0,2.886-.444A17.187,17.187,0,0,1,7.86,8.672q3.092-.266,6.184-.8,1.649-.178,3.3-.312t3.5-.312q4.123-.354,8.039-.712t8.039-.622q9.478-.8,18.758-1.338,2.68-.178,5.153-.356t4.741-.356q2.474-.178,5.05-.356T75.88,3.24h1.34a4.829,4.829,0,0,0,1.34-.178q2.267-.178,4.329-.222t4.329-.134a7.256,7.256,0,0,1,2.267,0,3.459,3.459,0,0,0,1.031-.088,6.009,6.009,0,0,1,2.37-.266,14.745,14.745,0,0,0,2.783-.088q1.649,0,2.474.088a1.308,1.308,0,0,1,.185.011,1.226,1.226,0,0,1,.33-.1,3.656,3.656,0,0,0,.515-.088,4.433,4.433,0,0,1,2.886.266q.412-.088,1.031-.178l1.237-.178q.412,0,1.031.044a5.761,5.761,0,0,0,1.237-.044q2.886-.088,5.772-.044a53.829,53.829,0,0,0,5.772-.222,9.505,9.505,0,0,1,1.34-.088h1.34a4.428,4.428,0,0,1,.821-.258l.825-.178a15.178,15.178,0,0,1,1.855.444,3.028,3.028,0,0,1,1.031-.534,4.039,4.039,0,0,1,1.443-.178,6.158,6.158,0,0,1,1.649.178,5.05,5.05,0,0,0,2.267.268q1.855-.088,3.813-.134T138.13,1.2q1.031,0,2.164-.044t2.37-.044q-.206-.088.412-.534h3.092q.412,0,.309.266t.928,0a5.845,5.845,0,0,1,1.443,0,31.833,31.833,0,0,0,5.359.088,21.471,21.471,0,0,1,6.8.178,5.236,5.236,0,0,0,1.031-.4q.412-.222.825-.4a.694.694,0,0,1,.137.07Z\" transform=\"translate(0 0.002)\"\/><\/svg><\/span><\/mark><\/h2><\/div><style>.vc_accordion_69d459abc9ed8 .accordion-title{font-size:25px;font-weight:400;}<\/style><div class=\"accordion accordion-lg accordion-title-underlined vc_accordion_69d459abc9ed8\" id=\"vc_accordion_69d459abc9ed8\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621849870257-a6c90671-f7f1d511-b798\" data-id=\"lqd-1621849870257-a6c90671-f7f1d511-b798\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1621849870257-a6c90671-f7f1d511-b798\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69d459abc9ed8\" data-bs-parent=\"#vc_accordion_69d459abc9ed8\" href=\"#lqd-1621849870257-a6c90671-f7f1d511-b798\" data-bs-target=\"#lqd-1621849870257-a6c90671-f7f1d511-b798\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1621849870257-a6c90671-f7f1d511-b798\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tWhat is a fixed rate?\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1621849870257-a6c90671-f7f1d511-b798\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_69d459abc9ed8\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621849870257-a6c90671-f7f1d511-b798\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69d459abc8f6a p {margin-bottom:0px !important;  } .ld_fancy_heading_69d459abc8f6a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc8f6a p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc8f6a\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">A fixed-rate mortgage, whether open or closed, means that the interest remains the same throughout the mortgage term. This guarantees that monthly payments will stay constant regardless of fluctuations in the banks&#8217; prime rate or market rates. This type of rate is ideal for borrowers who want long-term stability. However, in exchange for this peace of mind, fixed rates are generally higher than variable rates. Fixed mortgage rates are influenced by bond yields and current economic conditions.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621850133313-fcc50966-e093d511-b798\" data-id=\"lqd-1621850133313-fcc50966-e093d511-b798\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1621850133313-fcc50966-e093d511-b798\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69d459abc9ed8\" data-bs-parent=\"#vc_accordion_69d459abc9ed8\" href=\"#lqd-1621850133313-fcc50966-e093d511-b798\" data-bs-target=\"#lqd-1621850133313-fcc50966-e093d511-b798\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1621850133313-fcc50966-e093d511-b798\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tWhat is a variable rate?\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1621850133313-fcc50966-e093d511-b798\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69d459abc9ed8\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621850133313-fcc50966-e093d511-b798\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69d459abc9360 p {margin-bottom:0px !important;  } .ld_fancy_heading_69d459abc9360 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc9360 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc9360\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">The variable rate is the opposite of the fixed rate (but you probably guessed that!). Unlike a fixed mortgage rate, it fluctuates based on the Bank of Canada\u2019s prime rate, which adjusts according to economic conditions. When you choose a variable mortgage rate, the interest set by the bank or financial institution may rise or fall with the market. However, you can negotiate options like fixed payments or adjust repayments to suit your needs. Variable mortgage rates are often lower initially but come with the risk of rate increases, so assessing your risk tolerance is essential before deciding.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621850376284-61924f49-73ecd511-b798\" data-id=\"lqd-1621850376284-61924f49-73ecd511-b798\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1621850376284-61924f49-73ecd511-b798\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69d459abc9ed8\" data-bs-parent=\"#vc_accordion_69d459abc9ed8\" href=\"#lqd-1621850376284-61924f49-73ecd511-b798\" data-bs-target=\"#lqd-1621850376284-61924f49-73ecd511-b798\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1621850376284-61924f49-73ecd511-b798\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tWhat is the Rate for a Home Equity Line of Credit (HELOC)?\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1621850376284-61924f49-73ecd511-b798\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69d459abc9ed8\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621850376284-61924f49-73ecd511-b798\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69d459abc9737 p {margin-bottom:0px !important;  } .ld_fancy_heading_69d459abc9737 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc9737 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc9737\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">A home equity line of credit (HELOC) allows borrowing up to 65% of your home&#8217;s market value. This type of mortgage product is usually open, offering flexibility for repayments. For example, you can choose to pay only the monthly interest on the line of credit. The interest rate for a HELOC is based on the amount used and fluctuates with market conditions, like the bank&#8217;s prime rate. Unlike a variable-rate mortgage, the HELOC rate includes a premium, making it generally more expensive. Thus, while flexible, a HELOC is costlier compared to mortgages.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The HELOC rate is based on the bank&#8217;s prime rate, similar to a variable-rate mortgage. However, with a variable-rate mortgage, banks offer clients a rate discount on the prime rate, while with a HELOC, they add a premium to the prime rate, so the variable rate for a HELOC is always higher than a variable-rate mortgage.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661340643793-c0ed9831-cde2\" data-id=\"lqd-1661340643793-c0ed9831-cde2\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661340643793-c0ed9831-cde2\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69d459abc9ed8\" data-bs-parent=\"#vc_accordion_69d459abc9ed8\" href=\"#lqd-1661340643793-c0ed9831-cde2\" data-bs-target=\"#lqd-1661340643793-c0ed9831-cde2\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661340643793-c0ed9831-cde2\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tMortgage Rate Statistics\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661340643793-c0ed9831-cde2\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69d459abc9ed8\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661340643793-c0ed9831-cde2\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69d459abc9a6a p {margin-bottom:0px !important;  } .ld_fancy_heading_69d459abc9a6a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc9a6a p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc9a6a\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Unless you live in a Wi-Fi-free cave, you\u2019ve probably noticed that the real estate market hasn\u2019t been smooth sailing in recent years! For example, in 2020, amid the pandemic\u2019s start, Canadians borrowed an additional $108 billion in mortgage products. This trend continued in 2021, with $57.2 billion in mortgages taken out in just the first quarter\u2014a record!<\/span><\/p>\n<p><span style=\"font-weight: 400\">According to Statistics Canada\u2019s annual report, 49% of mortgages were 5-year fixed-rate contracts. The government agency noted a significant renewed interest in variable-rate products, favored by historically low prime rates. The variable rate was around 2.20% for 5 years in 2021, compared to an average of 2.38% for the fixed rate. Since mid-2022, fixed and variable rates have significantly increased, reaching 4.84% and 4.50% by the end of 2022.<\/span><\/p>\n<p><span style=\"font-weight: 400\">What does the future hold? Nobody knows! However, the brokers at Distinction remain on top of trends at all times.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1662485556015-d38e71de-ac08\" data-id=\"lqd-1662485556015-d38e71de-ac08\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1662485556015-d38e71de-ac08\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69d459abc9ed8\" data-bs-parent=\"#vc_accordion_69d459abc9ed8\" href=\"#lqd-1662485556015-d38e71de-ac08\" data-bs-target=\"#lqd-1662485556015-d38e71de-ac08\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1662485556015-d38e71de-ac08\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tHow to get the best rate?\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1662485556015-d38e71de-ac08\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69d459abc9ed8\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1662485556015-d38e71de-ac08\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69d459abc9d2d p {margin-bottom:0px !important;  } .ld_fancy_heading_69d459abc9d2d .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abc9d2d p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abc9d2d\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">The interest rate on your mortgage depends on several factors. Your repayment capacity, down payment, credit score, credit history, and employment outlook are all crucial. In recent years, banks have introduced the concept of insured, insurable, and non-insurable loans. Insurable and insured loans qualify for better rates. For more information, <\/span><a href=\"https:\/\/lescourtiershypothecaires.ca\/en\/mortgage-rate\/\"><span style=\"font-weight: 400\">check out our blog post<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Timing also matters: shopping around early allows you to gather essential information to compare the best market offers.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Working with an experienced mortgage broker is also an advantage. Multi-Pr\u00eats brokers, well-connected with major banks and financial institutions, help you obtain custom mortgage financing, whatever your profile. We\u2019ll help you develop a strategy that maximizes your chances of securing the best mortgage rate possible.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Get support from a professional with solid relationships with banks and financial institutions. Multi-Pr\u00eats brokers, including our team, are at your service!<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div><style>.ld_spacer_69d459abca00f{height:20px;}<\/style>\n<div class=\"ld-empty-space ld_spacer_69d459abca00f\"><\/div><style>.ld_button_69d459abca141.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69d459abca141.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69d459abca141.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69d459abca141{background-color:#b8952c;border-color:#b8952c;}.ld_button_69d459abca141:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69d459abca141 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69d459abca141 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69d459abca141 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69d459abca141:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69d459abca141:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/get-my-rate\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69d459abca141 vc_custom_1671065596416\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"get my rate\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>get my rate<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column][vc_column row_scale_bg_onhover=&#8221;yes&#8221; enable_overlay=&#8221;yes&#8221; column_top_onmobile=&#8221;yes&#8221; bg_position=&#8221;center center&#8221; align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-6&#8243; css=&#8221;.vc_custom_1663638490511{padding-top: 30vw !important;padding-bottom: 30vw !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/joshua-mayo-HASoyURgPMY-unsplash.jpg?id=1113) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; responsive_align=&#8221;text-center&#8221; responsive_css=&#8221;padding_top_medium:15vw|padding_bottom_medium:15vw|padding_top_small:25vw|padding_bottom_small:25vw&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.46)&#8221;][\/vc_column][\/vc_row][vc_row bg_position=&#8221;left center&#8221; css=&#8221;.vc_custom_1662490398623{padding-top: 100px !important;padding-bottom: 100px !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}&#8221;][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; css=&#8221;.vc_custom_1662491033625{margin-bottom: 2.15em !important;}&#8221; offset=&#8221;vc_col-md-offset-1 vc_col-md-10&#8243; ca_duration=&#8221;1000&#8243; ca_delay=&#8221;120&#8243; ca_init_translate_y=&#8221;70&#8243;]<style>.ld_fancy_heading_69d459abca9d4 h2 {margin-bottom:1.75em !important;  } .ld_fancy_heading_69d459abca9d4 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abca9d4 h2 {margin-bottom:1.75em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abca9d4\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Our financial partners<\/h2><\/div><style>.ld_fancy_heading_69d459abcb4f6 p {margin-bottom:1em !important;  } @media (min-width: 992px) { .ld_fancy_heading_69d459abcb4f6 p {margin-bottom:1.5em !important;  }  } .ld_fancy_heading_69d459abcb4f6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcb4f6 p {margin-bottom:1em !important;  } @media (min-width: 992px) { .ld_fancy_heading_69d459abcb4f6 p {margin-bottom:1.5em !important;  }  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcb4f6\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default h3\"   >  Thanks to the good relationships maintained by Multi-Pr\u00eats Hypoth\u00e8ques throughout the years, Team Distinction has the privilege of working with well-known and established financial partners, such as<\/p><\/div>[\/vc_column][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; offset=&#8221;vc_col-md-offset-1 vc_col-md-10&#8243; ca_duration=&#8221;1000&#8243; ca_delay=&#8221;120&#8243; ca_init_translate_x=&#8221;35&#8243; ca_init_translate_y=&#8221;0&#8243;][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style>.ld_fancy_heading_69d459abcbfaa p {font-size:16px; } .ld_fancy_heading_69d459abcbfaa p {line-height:1.5em; } .ld_fancy_heading_69d459abcbfaa p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcbfaa .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcbfaa p {font-size:16px; } .ld_fancy_heading_69d459abcbfaa p {line-height:1.5em; } .ld_fancy_heading_69d459abcbfaa p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcbfaa\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Financi\u00e8re First National<\/p><\/div><style>.ld_fancy_heading_69d459abcc469 p {font-size:16px; } .ld_fancy_heading_69d459abcc469 p {line-height:1.5em; } .ld_fancy_heading_69d459abcc469 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcc469 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcc469 p {font-size:16px; } .ld_fancy_heading_69d459abcc469 p {line-height:1.5em; } .ld_fancy_heading_69d459abcc469 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcc469\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Desjardins<\/p><\/div><style>.ld_fancy_heading_69d459abcc63c p {font-size:16px; } .ld_fancy_heading_69d459abcc63c p {line-height:1.5em; } .ld_fancy_heading_69d459abcc63c p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcc63c .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcc63c p {font-size:16px; } .ld_fancy_heading_69d459abcc63c p {line-height:1.5em; } .ld_fancy_heading_69d459abcc63c p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcc63c\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Banque Scotia<\/p><\/div><style>.ld_fancy_heading_69d459abcc800 p {font-size:16px; } .ld_fancy_heading_69d459abcc800 p {line-height:1.5em; } .ld_fancy_heading_69d459abcc800 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcc800 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcc800 p {font-size:16px; } .ld_fancy_heading_69d459abcc800 p {line-height:1.5em; } .ld_fancy_heading_69d459abcc800 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcc800\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Banque Nationale<\/p><\/div><style>.ld_fancy_heading_69d459abcc9be p {font-size:16px; } .ld_fancy_heading_69d459abcc9be p {line-height:1.5em; } .ld_fancy_heading_69d459abcc9be p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcc9be .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcc9be p {font-size:16px; } .ld_fancy_heading_69d459abcc9be p {line-height:1.5em; } .ld_fancy_heading_69d459abcc9be p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcc9be\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 TD Canada Trust<\/p><\/div><style>.ld_fancy_heading_69d459abccb81 p {font-size:16px; } .ld_fancy_heading_69d459abccb81 p {line-height:1.5em; } .ld_fancy_heading_69d459abccb81 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abccb81 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abccb81 p {font-size:16px; } .ld_fancy_heading_69d459abccb81 p {line-height:1.5em; } .ld_fancy_heading_69d459abccb81 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abccb81\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 MCAP<\/p><\/div><style>.ld_fancy_heading_69d459abccd2f p {font-size:16px; } .ld_fancy_heading_69d459abccd2f p {line-height:1.5em; } .ld_fancy_heading_69d459abccd2f p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abccd2f .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abccd2f p {font-size:16px; } .ld_fancy_heading_69d459abccd2f p {line-height:1.5em; } .ld_fancy_heading_69d459abccd2f p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abccd2f\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Home Trust<\/p><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style>.ld_fancy_heading_69d459abccf15 p {font-size:16px; } .ld_fancy_heading_69d459abccf15 p {line-height:1.5em; } .ld_fancy_heading_69d459abccf15 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abccf15 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abccf15 p {font-size:16px; } .ld_fancy_heading_69d459abccf15 p {line-height:1.5em; } .ld_fancy_heading_69d459abccf15 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abccf15\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Merix Financial \u2013 Lendwise<\/p><\/div><style>.ld_fancy_heading_69d459abcd0c6 p {font-size:16px; } .ld_fancy_heading_69d459abcd0c6 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd0c6 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcd0c6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcd0c6 p {font-size:16px; } .ld_fancy_heading_69d459abcd0c6 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd0c6 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcd0c6\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 B2B Banque<\/p><\/div><style>.ld_fancy_heading_69d459abcd263 p {font-size:16px; } .ld_fancy_heading_69d459abcd263 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd263 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcd263 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcd263 p {font-size:16px; } .ld_fancy_heading_69d459abcd263 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd263 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcd263\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Banque \u00c9quitable<\/p><\/div><style>.ld_fancy_heading_69d459abcd401 p {font-size:16px; } .ld_fancy_heading_69d459abcd401 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd401 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcd401 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcd401 p {font-size:16px; } .ld_fancy_heading_69d459abcd401 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd401 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcd401\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Banque Manuvie<\/p><\/div><style>.ld_fancy_heading_69d459abcd596 p {font-size:16px; } .ld_fancy_heading_69d459abcd596 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd596 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcd596 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcd596 p {font-size:16px; } .ld_fancy_heading_69d459abcd596 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd596 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcd596\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 CMLS<\/p><\/div><style>.ld_fancy_heading_69d459abcd728 p {font-size:16px; } .ld_fancy_heading_69d459abcd728 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd728 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcd728 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcd728 p {font-size:16px; } .ld_fancy_heading_69d459abcd728 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd728 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcd728\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Banque HomeEquity<\/p><\/div><style>.ld_fancy_heading_69d459abcd8d2 p {font-size:16px; } .ld_fancy_heading_69d459abcd8d2 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd8d2 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcd8d2 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcd8d2 p {font-size:16px; } .ld_fancy_heading_69d459abcd8d2 p {line-height:1.5em; } .ld_fancy_heading_69d459abcd8d2 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcd8d2\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Pentor<\/p><\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]<style>.ld_fancy_heading_69d459abcda9d p {font-size:16px; } .ld_fancy_heading_69d459abcda9d p {line-height:1.5em; } .ld_fancy_heading_69d459abcda9d p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcda9d .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcda9d p {font-size:16px; } .ld_fancy_heading_69d459abcda9d p {line-height:1.5em; } .ld_fancy_heading_69d459abcda9d p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcda9d\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Castleton<\/p><\/div><style>.ld_fancy_heading_69d459abcdc49 p {font-size:16px; } .ld_fancy_heading_69d459abcdc49 p {line-height:1.5em; } .ld_fancy_heading_69d459abcdc49 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcdc49 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcdc49 p {font-size:16px; } .ld_fancy_heading_69d459abcdc49 p {line-height:1.5em; } .ld_fancy_heading_69d459abcdc49 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcdc49\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Nesto<\/p><\/div><style>.ld_fancy_heading_69d459abcddeb p {font-size:16px; } .ld_fancy_heading_69d459abcddeb p {line-height:1.5em; } .ld_fancy_heading_69d459abcddeb p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcddeb .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcddeb p {font-size:16px; } .ld_fancy_heading_69d459abcddeb p {line-height:1.5em; } .ld_fancy_heading_69d459abcddeb p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcddeb\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Sagen<\/p><\/div><style>.ld_fancy_heading_69d459abcdf81 p {font-size:16px; } .ld_fancy_heading_69d459abcdf81 p {line-height:1.5em; } .ld_fancy_heading_69d459abcdf81 p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abcdf81 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abcdf81 p {font-size:16px; } .ld_fancy_heading_69d459abcdf81 p {line-height:1.5em; } .ld_fancy_heading_69d459abcdf81 p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abcdf81\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 CMHC &#8211; SCHL<\/p><\/div><style>.ld_fancy_heading_69d459abce11b p {font-size:16px; } .ld_fancy_heading_69d459abce11b p {line-height:1.5em; } .ld_fancy_heading_69d459abce11b p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abce11b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abce11b p {font-size:16px; } .ld_fancy_heading_69d459abce11b p {line-height:1.5em; } .ld_fancy_heading_69d459abce11b p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abce11b\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 FCT<\/p><\/div><style>.ld_fancy_heading_69d459abce2ae p {font-size:16px; } .ld_fancy_heading_69d459abce2ae p {line-height:1.5em; } .ld_fancy_heading_69d459abce2ae p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abce2ae .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abce2ae p {font-size:16px; } .ld_fancy_heading_69d459abce2ae p {line-height:1.5em; } .ld_fancy_heading_69d459abce2ae p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abce2ae\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 FNF<\/p><\/div><style>.ld_fancy_heading_69d459abce43e p {font-size:16px; } .ld_fancy_heading_69d459abce43e p {line-height:1.5em; } .ld_fancy_heading_69d459abce43e p {--element-line-height:1.5em; } .ld_fancy_heading_69d459abce43e .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69d459abce43e p {font-size:16px; } .ld_fancy_heading_69d459abce43e p {line-height:1.5em; } .ld_fancy_heading_69d459abce43e p {--element-line-height:1.5em; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69d459abce43e\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  \u2014 Canada Guaranty<\/p><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h2 style=\"text-align: center;\"><span style=\"font-weight: 400;\">Learn More About Mortgage Rates in Canada<\/span><\/h2>\n<p>[\/vc_column_text]<style>.vc_accordion_69d459abce7cc .accordion-title{font-size:19px;font-weight:500;}<\/style><div class=\"accordion accordion-md accordion-title-underlined vc_accordion_69d459abce7cc\" id=\"vc_accordion_69d459abce7cc\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1730399348247-2c1bbe55-4129\" data-id=\"lqd-1730399348247-2c1bbe55-4129\">\n                    <h3 class=\"accordion-title\" data-controls=\"lqd-1730399348247-2c1bbe55-4129\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69d459abce7cc\" data-bs-parent=\"#vc_accordion_69d459abce7cc\" href=\"#lqd-1730399348247-2c1bbe55-4129\" data-bs-target=\"#lqd-1730399348247-2c1bbe55-4129\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1730399348247-2c1bbe55-4129\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tWhat is the Best Fixed Mortgage Rate?\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h3>\n                <\/div>\n\n                <div id=\"lqd-1730399348247-2c1bbe55-4129\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_69d459abce7cc\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1730399348247-2c1bbe55-4129\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t[vc_column_text]<span style=\"font-weight: 400;\">The <\/span><b>best fixed mortgage rate<\/b><span style=\"font-weight: 400;\"> depends on various economic factors, such as the Bank of Canada\u2019s policy rate and bond yields. Fixed rates provide peace of mind by ensuring a constant mortgage payment throughout the term, regardless of market fluctuations. Mortgage brokers can help you find the best rate based on your situation, whether with major lenders like Scotiabank or credit unions.<\/span><\/p>\n<p><b>Fixed-rate mortgage contracts<\/b><span style=\"font-weight: 400;\"> are especially attractive to those looking for stability over several years and who want protection against potential rate increases.<\/span>[\/vc_column_text]                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1730399348247-0de613c1-90e8\" data-id=\"lqd-1730399348247-0de613c1-90e8\">\n                    <h3 class=\"accordion-title\" data-controls=\"lqd-1730399348247-0de613c1-90e8\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69d459abce7cc\" data-bs-parent=\"#vc_accordion_69d459abce7cc\" href=\"#lqd-1730399348247-0de613c1-90e8\" data-bs-target=\"#lqd-1730399348247-0de613c1-90e8\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1730399348247-0de613c1-90e8\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tWhat is the Best Variable Mortgage Rate?\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h3>\n                <\/div>\n\n                <div id=\"lqd-1730399348247-0de613c1-90e8\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69d459abce7cc\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1730399348247-0de613c1-90e8\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t[vc_column_text]<span style=\"font-weight: 400;\">The <\/span><b>best variable mortgage rate<\/b><span style=\"font-weight: 400;\"> fluctuates with the prime rate set by financial institutions, influenced by the Central Bank. These <\/span><b>variable mortgages<\/b><span style=\"font-weight: 400;\"> generally offer competitive rates upon signing, with monthly payments that may change according to interest rate fluctuations. Mortgage brokers can advise you on mortgage products best suited to your borrowing profile, considering factors like your credit score and debt ratio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A <\/span><b>variable-rate mortgage<\/b><span style=\"font-weight: 400;\"> can be a good option for those expecting short-term rate declines in the mortgage market. However, a flexible borrowing capacity is essential in case of rising rates.<\/span>[\/vc_column_text]                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1730399395531-c82467c3-b70b\" data-id=\"lqd-1730399395531-c82467c3-b70b\">\n                    <h3 class=\"accordion-title\" data-controls=\"lqd-1730399395531-c82467c3-b70b\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69d459abce7cc\" data-bs-parent=\"#vc_accordion_69d459abce7cc\" href=\"#lqd-1730399395531-c82467c3-b70b\" data-bs-target=\"#lqd-1730399395531-c82467c3-b70b\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1730399395531-c82467c3-b70b\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tFixed Rate vs. Variable Rate: How to Choose?\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h3>\n                <\/div>\n\n                <div id=\"lqd-1730399395531-c82467c3-b70b\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69d459abce7cc\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1730399395531-c82467c3-b70b\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t[vc_column_text]<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fixed rates<\/b><span style=\"font-weight: 400;\"> offer stable, consistent monthly payments throughout the mortgage term, while <\/span><b>variable rates <\/b><span style=\"font-weight: 400;\">fluctuate with market conditions, leading to potential changes in payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fixed rates<\/b><span style=\"font-weight: 400;\"> protect against rate increases, offering long-term security, while variable rates carry a risk of rising but may benefit from lower rates when the market is favorable.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Generally, fixed rates start higher as they include a safety margin, whereas variable rates often start lower, making borrowing potentially cheaper short-term but less certain long-term.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fixed rates are recommended for borrowers with low risk tolerance seeking peace of mind, while variable rates suit those willing to accept fluctuations to take advantage of possible rate drops.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fixed rates aren\u2019t affected by economic conditions or market fluctuations, while variable rates are directly influenced by changes in the Bank of Canada\u2019s policy rate and economic factors like inflation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fixed rates often have penalties for early repayment before the term ends, while variable rates may offer more flexibility with early repayments and fewer penalties in some cases.<\/span><\/li>\n<\/ul>\n<p>[\/vc_column_text]                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1730399402697-da8d27e6-99aa\" data-id=\"lqd-1730399402697-da8d27e6-99aa\">\n                    <h3 class=\"accordion-title\" data-controls=\"lqd-1730399402697-da8d27e6-99aa\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69d459abce7cc\" data-bs-parent=\"#vc_accordion_69d459abce7cc\" href=\"#lqd-1730399402697-da8d27e6-99aa\" data-bs-target=\"#lqd-1730399402697-da8d27e6-99aa\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1730399402697-da8d27e6-99aa\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tHow Do Mortgage Interest Rates Work in Canada?\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h3>\n                <\/div>\n\n                <div id=\"lqd-1730399402697-da8d27e6-99aa\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69d459abce7cc\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1730399402697-da8d27e6-99aa\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t[vc_column_text]<span style=\"font-weight: 400;\">In Canada, mortgage rates are influenced by various economic factors, including the Central Bank\u2019s policy rate and bond yields. Fixed rates are typically based on bond yields, while variable mortgages depend on the prime rate set by lenders, like the National Bank of Canada. Mortgage loans can be open or closed, with amortization periods varying between 15 and 30 years. Financial institutions often offer competitive rates based on your credit score, debt ratio, and down payment when purchasing a property. It\u2019s recommended to stay updated on interest rates to secure the best personalized rate and reduce long-term mortgage financing costs.<\/span>[\/vc_column_text]                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; parallax=&#8221;enable_parallax&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; bg_position=&#8221;custom&#8221; enable_overlay=&#8221;yes&#8221; css=&#8221;.vc_custom_1663638239725{padding-bottom: 100px !important;background: #111214 url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/sean-pollock-PhYq704ffdA-unsplash.jpg?id=1107);background-position:center;background-repeat:-repeat;background-size:cover;}&#8221; responsive_css=&#8221;padding_top_large:200px|padding_bottom_large:200px|padding_right_medium:7%25|padding_bottom_medium:15vw|padding_left_medium:7%25&#8243; ca_duration=&#8221;1600&#8243; ca_start_delay=&#8221;850&#8243; ca_delay=&#8221;160&#8243; ca_init_translate_y=&#8221;25&#8243; bg_pos_h=&#8221;80%&#8221; bg_pos_v=&#8221;50%&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.59)&#8221;][vc_column][vc_row_inner css=&#8221;.vc_custom_1662635428011{padding-top: 20px !important;padding-bottom: 20px !important;}&#8221;][vc_column_inner responsive_align=&#8221;text-center&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column css=&#8221;.vc_custom_1608189980216{padding-top: 17px !important;}&#8221;][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;rgba(255,255,255,0.23)&#8221;][\/vc_column][\/vc_row][vc_row parallax=&#8221;enable_parallax&#8221; css=&#8221;.vc_custom_1699549412855{padding-top: 50px !important;padding-bottom: 50px !important;background-color: #232424 !important;background-position: 0 0;background-repeat:-repeat;}&#8221;][vc_column enable_hover_move=&#8221;lqd-column-move-onhover&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":6,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2390","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Best Mortgage Rate with Multi-Pr\u00eats Mortgages - Find the Best Fixed and Variable Mortgage Rates<\/title>\n<meta name=\"description\" content=\"Find the best mortgage rate with Multi-Pr\u00eats Mortgages. Compare fixed and variable rates, open and closed mortgages, to find financing tailored to your needs, and benefit from personalized advice.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lescourtiershypothecaires.ca\/en\/mortgage-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Mortgage Rate with Multi-Pr\u00eats Mortgages - Find the Best Fixed and Variable Mortgage Rates\" \/>\n<meta property=\"og:description\" content=\"Find the best mortgage rate with Multi-Pr\u00eats Mortgages. 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