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.

Term	Fixed rate (%)
6 months	Fixed rate (%) 9.150
1 year	Fixed rate (%) 9.150

Open (1 to 4 units)

Term	Fixed rate (%)
6 months	9.150
1 year	9.150

Term	Fixed rate (%)
6 months	Fixed rate (%) 8.250

Convertible (1 to 4 units)

Term	Fixed rate (%)
6 months	8.250

Closed (1 to 4 units)

Term	Fixed rate (%)
6 months	Fixed rate (%) 7.840
1 year	Fixed rate (%) 7.240
18 months	Fixed rate (%) 7.240
2 years	Fixed rate (%) 6.840
3 years	Fixed rate (%) 6.400
4 years	Fixed rate (%) 6.340
5 years	Fixed rate (%) 6.390
Promotional rate - 5 years	Fixed rate (%) 4.640
6 years	Fixed rate (%) 6.690
7 years	Fixed rate (%) 6.690
8 years	Fixed rate (%) 7.140
9 years	Fixed rate (%) 7.140
10 years	Fixed rate (%) 7.140

Term	Fixed rate (%)
6 months	7.840
1 year	7.240
18 months	7.240
2 years	6.840
3 years	6.400
4 years	6.340
5 years	6.390
Promotional rate - 5 years	4.640
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	Details	Convertible closed term	Variable rate (%)
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 (%) 5.450
Variable-rate mortgage - 1 to 4 units²	Details • Prime rate -0.50% • Can be converted at any time³ • Variable payments	Convertible closed term 5 years	Variable rate (%) 4.950

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 (%)

5.450

Variable-rate mortgage - 1 to 4 units²

Details

• Prime rate -0.50%

• Can be converted at any time³

• Variable payments

Convertible closed term

5 years

Variable rate (%)

4.950

Type	Details	Convertible closed term	Variable rate (%)
Variable-rate mortgage - 1 to 4 units¹	• Prime rate +0.00% • Can be converted at any time³ • Variable payments	3 years	5.450
Variable-rate mortgage - 1 to 4 units²	• Prime rate -0.50% • Can be converted at any time³ • Variable payments	5 years	4.950

Type

Details

Convertible closed term

Variable rate (%)

Variable-rate mortgage - 1 to 4 units¹

• Prime rate +0.00%

• Can be converted at any time³

• Variable payments

3 years

5.450

Variable-rate mortgage - 1 to 4 units²

• Prime rate -0.50%

• Can be converted at any time³

• Variable payments

5 years

4.950

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 September 25, 2024 and subject to change without notice. For informational purposes only, the Annual Percentage Rate (APR) of 4.34% 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	Fixed rate (%) 4.34

Type	Fixed rate (%)
5-year closed term	4.34

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)	Minimum rate (%) 5.950

Type	Minimum rate (%)
Equity line of credit (1 to 4 units)	5.950

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Laurentian Bank: Laurentian Bank of Canada.

APR: Annual Percentage Rate.

The APR for a $100,000 loan amortized over 25 years with a 3-year term is 5.47%. The APR assumes a prime rate of 5.45% (in effect as of December 12, 2024) + 0.00% applicable for the duration of the loan. The applicable interest rate will fluctuate with Laurentian Bank’s prime rate for the duration of the loan.
The APR assumes a prime rate of 5.45% (in effect as of December 12, 2024) - 0.00% applicable for the duration of the loan. The applicable interest rate will fluctuate with Laurentian Bank’s prime rate for the duration of the loan.
Convertible at any time for a fixed-rate closed term equal to or greater than the remaining term.

Mortgage and equity lines of credit rates.

Fixed-rate mortgage.

Variable-rate mortgage.

High-ratio fixed rate mortgage (APR).

Equity line of credit.

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