Laurentian Mortgage Rates

Q: Are Laurentian rates lower than other banks?

While Laurentian mortgage rates are competitive among other lenders, they aren’t higher or lower than other banks as a rule. In Canada, rates are more likely to vary from person to person, rather than bank to bank. To get the best mortgage rate, as well as the mortgage with the right features for you, it’s important to compare mortgages from multiple providers.

Q: Can you negotiate a mortgage rate?

Yes, you can negotiate a mortgage rate. The rate you’re offered is not always the best rate you can get, especially in the case of a mortgage renewal offer from your current lender. If you’re uncomfortable with negotiating your own mortgage rate, it’s a good idea to speak to a mortgage broker, who can negotiate on your behalf

Below you'll find the best mortgage rates from Laurentian. Be sure to compare rates between lenders to get the best product for you.

Featured
Canadian Lender
3.84%
5-yr Fixed
Featured
Canadian Lender
3.95%
5-yr Variable
Featured
Big 6 Bank
3.89%
3-yr Fixed

compare all

Provider	5 Year fixed	5 Year variable	3 Year fixed
Best market rate	3.84%	3.95% Prime -1.00%	3.89%
Bank of Montreal	4.51%	4.53% Prime -0.42%	4.29%
Scotiabank	4.59%	4.35% Prime -0.60%	4.64%
TD Bank	4.34%	4.69% Prime -0.26%	4.34%
CIBC	4.09%	4.45% Prime -0.50%	4.29%
RBC Royal Bank	4.49%	4.55% Prime -0.40%	4.44%

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Laurentian: Frequently asked questions

Are Laurentian rates lower than other banks?

How do I get a mortgage with Laurentian?

You can get a mortgage from Laurentian by contacting the bank directly. You can get or by getting in touch with a Laurentian approved mortgage broker. The alternative to getting a mortgage directly from Laurentian is to work with a mortgage broker.

Using a broker comes with a few advantages. A mortgage broker gives you the added benefit of being able to compare mortgage rates and products between different lenders, as well as the chance to speak to an independent mortgage expert. If a given lender does not work with brokers, it might still be worth speaking to one to see what else is available in the market.

Can you negotiate a mortgage rate?

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About Ratehub.ca

Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, Ratehub.ca is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place.

Ratehub.ca has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.

How does Ratehub.ca make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

How are CanWise Financial and Ratehub.ca connected?

We own and operate a mortgage brokerage, Ratehub.ca (formerly known as CanWise Financial), and are compensated for mortgages funded through our brokerage. Ratehub Inc. o/a Ratehub.ca & CanWise is a licensed mortgage brokerage and CMHC-approved lender. When comparing mortgage rates on Ratehub.ca, you’ll see rates from a number of lenders, including CanWise. All products are sorted according to the rates available to you and the selection criteria you’ve shared with us. Both Ratehub.ca and CanWise are owned and operated by Ratehub Inc.

We’re proud of our Ratehub.ca mortgage brokerage, which offers our users great rates, trusted advice and an award-winning team of mortgage experts. Read any of our 6,700 five-star Google and Facebook reviews and you’ll see what we mean.

Laurentian Mortgage Rates