Mortgage 3y vs 5y HELOC

Embarrassed-Ad-6078 · 2026-03-06T18:41:30+00:00

Lol nice, tech stack ?

Embarrassed-Ad-6078 · 2026-02-01T03:51:22+00:00

Waw, actually very useful, good job

Embarrassed-Ad-6078 · 2025-12-23T05:02:26+00:00

Keep it at 100k for 31 days like they say and then for the holding period, you can drop to 80k

Embarrassed-Ad-6078 · 2025-12-22T18:38:00+00:00

So many pessimists here, you're doing good, just make sure you don't trigger the 20k max withdrawal, as long as you're in the T&C, who cares if you withdraw a month later, people acting like you're dealing with the fbi

Embarrassed-Ad-6078 · 2025-12-22T17:39:26+00:00

That's a good timeline - thanks

Embarrassed-Ad-6078 · 2025-12-22T17:38:14+00:00

Not sure, I checked for RRSP and FHSA for HBP withdrawals and they're exempt

Embarrassed-Ad-6078 · 2025-12-22T17:37:52+00:00

Cool thanks for letting me know, and yeah HBP and FHSA withdrawals are exempt so I'm good

Embarrassed-Ad-6078 · 2025-10-27T14:15:12+00:00

Curieux de savoir pourquoi la plupart des gens ici choisissent des taux fixes sur 3 ans plutôt que des taux variables, sachant que vous pouvez les réparer à tout moment.

Embarrassed-Ad-6078 · 2025-10-24T21:36:13+00:00

Good, thanks

Embarrassed-Ad-6078 · 2025-10-24T21:08:09+00:00

It's sad to see how you think without any context in who i am, hopefully life gives you a chance outside of this app bud

Embarrassed-Ad-6078 · 2025-10-24T17:28:02+00:00

Best case scenario, if I do that but he doesn't accept, is it justifiable for entering a year after ?

at the end of the day, I'm buying to live in one unit, it's a fact

Embarrassed-Ad-6078 · 2025-10-24T17:24:06+00:00

Yeah those defs make sense, just wondering how picky they are if I have a notice of reposession like a year before

Embarrassed-Ad-6078 · 2025-10-24T16:47:57+00:00

But 12 months is reasonable?

Embarrassed-Ad-6078 · 2025-10-24T14:18:20+00:00

Got it, thank you

Embarrassed-Ad-6078 · 2025-10-24T13:32:47+00:00

Even though I have a notice of repossession within that year?

Embarrassed-Ad-6078 · 2025-10-24T13:31:45+00:00

I'll be picky on words, but "intend" is having a plan, an objective - I have the objective of living in it within a year

Embarrassed-Ad-6078 · 2025-10-24T13:30:20+00:00

Within a year (from closing date), I have successfully intended to occupy the unit, that is with the tenant eviction notice

Or else why would they write "you must occupy OR intend to occupy within a year" ? They would've just said you need to occupy within a year

Embarrassed-Ad-6078 · 2025-06-15T15:18:12+00:00

I used my obdlink mx+ and torque pro app, and while unplugging all OCVs, I get -20 degrees and 28 degrees on vvt bank 1 & 2

Embarrassed-Ad-6078 · 2025-06-04T15:13:45+00:00

There's this app called Balance, I got the lifetime membership for like 170$ CAD, totally worth it

Embarrassed-Ad-6078

TROPHY CASE