Portfolio Plus

Enhance your banking relationship and benefit from rate discounts alongside diversified savings opportunities.

Portfolio Plus is an comprehensive mortgage solution designed for clients seeking to optimize their relationship with Leader Bank. By utilizing a traditional adjustable-rate mortgage with an initial discounted rate in conjunction with depositing and maintaining qualifying balances in your Leader Bank checking account and signing up for automatic payments from that account, clients can access reduced mortgage rates. Clients can also take advance of Leader Bank’s high-yield savings accounts to further broaden their financial possibilities. This program recognizes and rewards a comprehensive banking relationship, enabling you to maximize financial advantages and enjoy exclusive mortgage rate incentives.

How Portfolio Plus Operates 

With Portfolio Plus, clients begin with a standard adjustable-rate mortgage. Depositing and maintaining qualifying balances in a Leader Bank checking account, and agreeing to make automatic payments towards the loan from that account, will result in a discounted initial interest rate and lower initial monthly payments.*

Additionally, combining this checking account balance with funds in a corresponding Zeugma Pluss high-yield savings account further rewards your overall banking relationship. There is no requirement to purchase points or or fund permanent buy-downs; rate discounts are determined by your checking account balance, and the option of an additional savings account presents earning potential. The program offers notable flexibility for your money - by managing funds across both checking and high-yield savings accounts, you are able to win on both fronts.

Advantages of Portfolio Plus 

Portfolio Plus is tailored for clients who appreciate lower mortgage rates and wish to benefit from a consolidated banking experience. By depositing and maintaining a specific balance in a Leader Bank checking account and signing up for automatic payments, clients access exclusive interest rate rate discounts. Further, by utilizing the Bank’s high yield savings options in combination with this offer, you can efficiently manage your finances in a single institution and take advantage of rewards linked to your total banking relationship with Leader Bank.

In today’s volatile interest rate environment, Portfolio Plus offers assurance that you are securing a favorable mortgage rate reflective of your complete banking relationship. Benefit from Leader Bank’s exclusive rate discounts and versatile account solutions, empowering you to adapt your financial approach and optimize your assets—both now and in the future.

_{* To qualify for this discounted rate, qualifying clients must (a) open a Leader Bank checking account (“Account”) and fund it with the minimum required deposit balance (“Minimum Balance”) at least ten (10) days prior to the closing of their mortgage, (b) maintain an average deposit balance in Account over each calendar quarter of at least the Minimum Balance, and (c) establish and maintain automatic payments on the mortgage from the Account during the life of the loan.  If any of these criteria are not satisfied at closing or are not satisfied during the term of the loan, the discounted rate shall be cancelled and the interest rate and monthly payment set forth in the promissory note for the mortgage loan shall apply.  The discounted rate shall only be applicable during the initial term of the mortgage loan; please refer to the disclosures for this program for more information. Credit approval required; additional terms and conditions may apply.}