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Mortgage and equity lines of credit rates.

Fixed-rate mortgage.

Rates guaranteed for 120 days. Subject to credit approval. Certain conditions apply. Subject to change without notice.

Open (1 to 4 units)

Term

Fixed rate (%)

6 months

9.150

1 year

9.150

Convertible (1 to 4 units)

Term

Fixed rate (%)

6 months

8.250

Closed (1 to 4 units)

Term

Fixed rate (%)

6 months

7.840

1 year

6.290

18 months

6.290

2 years

6.240

3 years

6.240

4 years

6.290

5 years

6.240

Promotional rate - 5 years

4.440

6 years

6.690

7 years

6.690

8 years

7.140

9 years

7.140

10 years

7.140

Variable-rate mortgage.

Rate adjustment factor guaranteed for 60 days. Subject to credit approval. Certain conditions apply. Subject to change without notice.

Type

Variable-rate mortgage - 1 to 4 units1

Details

• Prime rate +0.00%

• Can be converted at any time3

• Variable payments

Convertible closed term

3 years

Variable rate (%)

4.950

Variable-rate mortgage - 1 to 4 units2

Details

• Prime rate -0.55%

• Can be converted at any time3

• Variable payments

Convertible closed term

5 years

Variable rate (%)

4.400

High-ratio fixed rate mortgage (APR).

Certain conditions apply. Rate applicable exclusively to new mortgage loans. A high-ratio mortgage is a loan for which clients have a down payment of less than 20% for the purchase of a residential property. To be eligible for this offer, these customers require mortgage default insurance and to meet the terms and conditions. Rate effective March 12, 2025 and subject to change without notice. For informational purposes only, the Annual Percentage Rate (APR) of 3.99% is based on a loan of $150,000, amortized over 20 years and with a closed term of 5 years. Subject to credit approval. The rate then in effect and offered when the loan is approved is guaranteed up to 120 days after the loan approval date. This offer can be amended, suspended or withdrawn at any time without notice.

Type

Fixed rate (%)

5-year closed term

3.99

Equity line of credit.

Subject to credit approval. Certain conditions apply. Rate based on the Laurentian Bank line of credit base rate. The granted interest rate depends on the financial situation of each client. The variable rate can change without notice.

Type

Minimum rate (%)

Equity line of credit (1 to 4 units)

5.450

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