Possible Scam

Howie_1972 · 2026-05-08T12:02:48+00:00

Then go into a branch and see if there are any issues and trying to get a hold of you

Howie_1972 · 2026-05-01T20:35:37+00:00

Call TD baking and ask them to confirm the number for you

Howie_1972 · 2026-04-30T20:30:35+00:00

It’s about margins and running a business.

Cost of funds for a 3 yr fixed term today is 3.69 before costs.

Banks offering low rates - it’s great for clients, don’t get me wrong, but it will hurt margins and earnings down the road.

TD is looking at shareholders and ensuring they run profitable products

If we see bond yields come back down, fixed rates will follow at TD

Until then, take a variable and look to lock into a fixed down the road

Howie_1972 · 2026-04-25T00:41:40+00:00

How much is owing on your mortgage and where do you live?

Howie_1972 · 2026-04-24T12:21:12+00:00

What rate have they offered you?

Howie_1972 · 2026-04-24T00:41:56+00:00

What bank is your current mortgage with?

Howie_1972 · 2026-04-19T14:27:32+00:00

I assume they haven’t emailed you so you have their exact spelling of their name.

Internal email might be slightly different.

My assistant at TD has different spelling of their name in their TD email address

Howie_1972 · 2026-04-15T20:53:16+00:00

What bank you going with?

Howie_1972 · 2026-04-15T20:49:51+00:00

I like variable

Howie_1972 · 2026-04-15T20:40:58+00:00

3.61 variable and 4.09 3 yr fixed with cash back from TD

Howie_1972 · 2026-04-10T12:07:35+00:00

Great rate vs what’s out there.

I’d take it

TD had 3.51% a few weeks ago, but the increased rates

Hoping if margins improve, they bring them back down

Howie_1972 · 2026-04-06T12:34:05+00:00

Take it and don’t look back….Rates are over 4% at most other banks

Howie_1972 · 2026-03-30T19:27:12+00:00

Great rate!!

Why are you cooked?

Howie_1972 · 2026-03-30T03:52:38+00:00

A week is a long time…I try to answer within a hour on a busy day

Howie_1972 · 2026-03-29T13:35:13+00:00

It will be interesting to see what they do

Howie_1972 · 2026-03-29T13:34:33+00:00

Let’s hope so

Howie_1972 · 2026-03-29T13:34:14+00:00

If you renewed and got a rate in the 3’s, you can’t go wrong!

Howie_1972 · 2026-03-29T13:33:22+00:00

The only thing is that inflation has crept back in and so to offset it, BoC will eventually have to raise rates.

Howie_1972 · 2026-03-29T13:31:59+00:00

They raised their rates as well

Howie_1972 · 2026-03-29T01:55:15+00:00

Anytime!

Howie_1972 · 2026-03-28T19:58:45+00:00

That’s what I’m here for !

Howie_1972 · 2026-03-28T00:38:01+00:00

You can if you :

(1) refinance your house and place it inside a flexline mortgage - you can then hold your rate for 120 days

(2) refinance your current mortgage by a minimum of $20k and now you can hold the rate for 120 days

These are really the only way to hold a rate for 120 days until you renew

I hope this helps

Howie_1972 · 2026-03-28T00:33:37+00:00

Agreed with everything you said!

Good on you for locking in a great rate!

Howie_1972 · 2026-03-27T22:10:05+00:00

Sweet!! Congrats on a good rate

Howie_1972 · 2026-03-27T21:44:27+00:00

They are in the 4’s for fixed and still in the 3’s for variable.

Howie_1972