Laurentian Bank Mortgage Rates
Laurentian Bank mortgage products accessible with Xperto
Buying a property - Rental property or second home
Mortgage renewal
Refinancing (e.g., renovations, projects, debts)
**Home equity line of credit**
Cash-back mortgage (up to 5%)
Homeowner's kit (combined products)
Solutions to everything
Why go through Xperto rather than directly through the Laurentian Bank?
Simple - Fast - Effective
Steps for a mortgage pre-approval with LB
First Step
Free evaluation with an Xperto broker
Second Step
Gathering your documents
Third Step
Submission to the Laurentian Bank - Locking in your rate for a set period
Fourth Step
Receiving your pre-approval certificate
Our Advantages
Why go through Xperto rather than directly through Scotia?
No pressure
Free Service
One for All
Time-saver, no repeated steps
Laurentian Bank Mortgage Rate Comparison (2025)
| Term | LB Posted Rate | Rate negotiated with Xperto |
|---|---|---|
| 5-year fixed rate | 5.39% | up to 4.99% |
| 5-year variable rate | 6.25% | up to 5.75% |
| 3-year fixed rate | 5.24% | up to 5.05% |
*Rates vary depending on your file. Contact an Xperto broker for a personalized estimate.
Each has its own advantage
Fixed rate or variable rate
What to choose with Laurentian Bank?
Our brokers advise you based on your situation, your projects, and your risk tolerance.
Fixed rate
Variable rate
We guide you through every step
Documents required to start an application
All these papers can be intimidating… but not with us.
With Xperto, every step is explained, simplified, and most importantly, handled with you.
Proof of identity
Offer to purchase or property details
Pay stubs or notice of assessment
Down payment (bank statements)
Property tax statements
Leases and rental income (if applicable)
Investment statements
What our clients say
Professional, devoted and always here for you, this is in breef my experience with Xperto Mr.Antoine feghali and Mme Bahaa Bou Aboud, keep up the good work guys!
Great collaboration with Domenico. My case wasn’t the easiest, but Domenico was able to find a solution! My family and I thank you again for allowing us to purchase our duplex! 100% recommended!
I would like to express my great satisfaction with our Mortgage Broker, Antoine Geha. He offered us the best mortgage options tailored to our situation. I truly appreciate his clear and transparent communication throughout the process, his negotiation skills, and his follow-up even after the closing of our purchase. In summary, I highly recommend Antoine Geha and the Xperto mortgage firm.
Frequently Asked Questions about Scotia Bank Mortgages
It allows you once a year to either:
- Make a one-time payment of up to 15% of the initial principal
- Increase your payments by 15%
Yes. Laurentian Bank offers up to 5% cashback on a 5-year fixed-rate loan.
Yes. You can withdraw funds at any time, at a competitive rate, with no fees if unused.
Yes. Generally, the penalty is equivalent to three months of interest, but it depends on the type of loan. We can help you estimate the amount before any decision.
It is a modular solution that allows you to combine several products (e.g., loan + line of credit + insurance) into a single agreement, customized to your needs.
Laurentian Bank accepts self-employed workers, but additional documents are required. We’ll guide you in building a strong application.