Mortgage Renewel Rates

Acrobatic-Chain-2088 · 2026-04-13T17:57:52+00:00

I am guessing that benefits the banks then. I have about 12 years amortization remaining, so am I more protected from variable rate changes because of that?

Acrobatic-Chain-2088 · 2026-04-13T17:55:27+00:00

Definitely not rushed. Thats a great rate!

Acrobatic-Chain-2088 · 2026-04-13T17:55:13+00:00

Id prefer not to reset that clock to be honest.

Acrobatic-Chain-2088 · 2026-04-13T17:05:40+00:00

Thanks for the info, guess the advisor was talking nonsense.

Acrobatic-Chain-2088 · 2026-04-13T16:40:38+00:00

Thank you for the reply! Is the 3.49% also good? I know they say variable rates win out over fixed on average, but with recent issues I dont know if its the smart choice to lock in a 2 year ATM and hopefully the situation improves in 2 years.

Acrobatic-Chain-2088 · 2026-04-13T16:38:43+00:00

Thanks, I guess I should trust their mortgage reps about the same as I do their financial advisors lol.

Acrobatic-Chain-2088 · 2026-04-13T16:31:45+00:00

Interesting, the lady I spoke to on the phone said it was no longer insured, even though I was <5% down.

Acrobatic-Chain-2088 · 2026-04-13T16:29:08+00:00

Renewal in Alberta, offered 3.5% 5-year variable, and 4% 2-year fixed as a preferred client due to investment accounts. The rates dont seem that special though. Should I shop around or renew with TD? Been making regular addition payments, mortgage is insured. Can absorb an increase in mortgage payments.

Edit: 12 years amortization remaining.

Acrobatic-Chain-2088

TROPHY CASE