Special Offer Mortgage Rates cannot be combined with any other mortgage offer.

Special Offer Mortgage Rates apply to new, refinanced or renewed mortgages for primary residences and cottages; excludes rental and commercial properties. All new mortgages (purchased or transferred-in) must be at least $200,000 and are subject to credit approval. Rates subject to change without notice.

This offer is subject to change or cancellation without notice at the sole discretion of Cambrian Credit Union.

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Terms & Conditions: 2 Year Mortgage Feature Rate Offer 2025 (Best of Both Worlds Mortgage)

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Qualifications:

• Applicable to new purchase, transfer-in, refinance and renewal for residential and cottage mortgages. Excludes rental property and commercial mortgages.

• All new mortgages (Purchase or Transfer-in, refinance) are subject to credit approval which includes stress testing based on a 25-year amortization and 2% premium to the approved rate.

• All Mortgages must be $200,000 or more.

• Standard Charge Terms Apply.

Rates:

• Subject to change without notice.

• Feature rate maynot be combined with any other offer.

Convertibility:

• The remaining mortgage may be converted to any of the following eligible Cambrian Mortgage products within the initial two-year period without penalty, at the lowest Cambrian rate in-market for each of: 3-year fixed, 4-year fixed, 5-year fixed, 5-year variable closed.

• Only one conversion is available within the original 2-year term.

• Mortgage cannot be delinquent or have payments deferred at renewal or time of conversion.

Prepayment Penalty:

• Standard Prepayment Penalty applies unless converted as per the above Convertibility conditions.

This is a limited time offer which is subject to change or cancellation without notice at the sole discretion of Cambrian Credit Union Ltd.

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