Mortgage loans and lines of credit



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Mortgage loans and lines of credit

Mortgage Rates (1 to 5 units)


Fixed rate mortgage	Term	Rates




Open	6 months	6.700
	1 year	6.300

Convertible	6 months	5.400

Closed	6 months	4.400
	1 year	3.140
	18 months	3.140
	2 years	3.140
	3 years	3.500
	4 years	4.390
	5 years	4.890
	Promotional rate - 5 years	3.490
	6 years	5.950
	7 years	5.950
	8 years	6.550
	9 years	6.550
	10 years	6.550

Rate guaranteed 90 days for all fixed-rate mortgages for one to five units.

Subject to credit approval. Certain conditions apply.

FIXED RATE MORTGAGE WITH CASHBACK

Type	Detail	Term	Cashback (%)

Fixed rate mortgage with cashback¹	Cashback mortgage of 5% applicable to closed fixed-rate five years term	5 years	5.000

1. This offer applies to new mortgage requests and renewal and is subject to change without notice. Certain conditions apply. This offer cannot be combined with any other offer and is subject to credit approval by Laurentian Bank. Cashback is calculated according to the amount borrowed and used. Maximum cashback is $25,000.

Home equity line of credit

					Minimum rate (%)

Home equity line of credit²					3.500

2. Rate based on the Laurentian Bank line of credit base rate. The allocated interest rate depends on the financial situation of each individual client. Variable rate can be modified without notice.

Mortgage offers (1 to 5 units)

Type	Detail	Term	Rate (%)

Variable rate mortgage³	Prime rate Can be converted to a fixed-rate closed mortgage anytime. Fixed or variable payments	3 years	3.000

Variable rate mortgage³	Prime rate. Can be converted to a fixed-rate closed mortgage anytime. Fixed or variable payments	5 years	3.000

3. The annual percentage rate (APR) assumes a prime rate of 3.00% + 0 basis point (prime rate in effect on September 9, 2010) applicable for the duration of the loan. The applicable interest rate shall fluctuate with Laurentian Bank’s prime rate for the duration of the loan. These offers are available to owner-occupants only. Subject to change without notice. Some conditions apply.