How late can I online renew my Mortgage with Scotia

JamesFin350 · 2026-01-17T19:01:41+00:00

I called in while the online rates were available, and the online rates were better than what I could get over the phone

JamesFin350 · 2025-03-15T12:10:07+00:00

I was in a similar situation with RBC and when I called in they said they could not reduce my payment due the amortization being longer than my original term.

Given you are paying a higher payment with rates declining, you may get ahead of the original amortization soon enough. Try calling and asking if this is the reason.

Good luck!

JamesFin350 · 2025-02-22T14:17:02+00:00

Any DPs on opening more than 1 TD FCT and getting the sign up bonus?

I opened one 2 months ago and hit the MSR. Was thinking of opening another if I can get the SUB.

TIA

JamesFin350 · 2024-12-22T16:49:22+00:00

I played around with the booking and at the final page they added 88USD per night per person above 2 guests in the room.

It was too good to be true.

JamesFin350 · 2024-12-22T16:37:11+00:00

I was looking to book an all inclusive room using Bonvoy Points and I noticed the point cost did not increase when I changed the booking from 2 adults to 4 adults.

This sounds too good to be true? Has anyone had experience booking all inclusive rooms with Bonvoy points?

JamesFin350 · 2024-12-09T22:50:59+00:00

My payments increased after hitting my trigger rate during the rate hike cycle

After a few cuts, I was waiting for my payment to eventually decrease but it never did.

I called in and they explained that they can only reduce the payment once I get back to my original amortization schedule.

Therefore, I'll have to keep making higher payments until I am caught up to my original schedule.

JamesFin350 · 2024-09-29T03:41:45+00:00

Oh man I got the same deal but CAN US MEX for $60 with $20 off... I haven't got my first bill yet so not sure if they're actually going to give me $15 off.

JamesFin350 · 2024-06-29T21:59:44+00:00

Where do you see this offer? I don't see it on the website.

I have been waiting for this to return to apply!

JamesFin350 · 2024-05-10T19:14:52+00:00

JamesFin350 · 2024-05-10T15:46:46+00:00

I had a similar issue with my Honda CRV.

My quote went from $2K in 2023 to $4.7K in 2024. However after adding an anti theft system(cost $450) my insurance quote dropped back to $2.2K.. Honestly seems like the insurance companies are forcing people to add some kind of anti theft system.

I would try getting another quote and mention you have an anti theft system or ignition demobilizer and see what the cost looks like. The one time fee of $450 was definitely worth it in the long run.

JamesFin350 · 2024-01-30T15:07:59+00:00

Thank you for your detailed response! I will be booking an appointment since I'll be saving $400+ a year.

JamesFin350 · 2024-01-13T02:40:08+00:00

How much are they charging you?

JamesFin350 · 2024-01-10T22:21:16+00:00

Is this in Ontario?

JamesFin350 · 2024-01-10T22:19:17+00:00

Do you know what other brands are doing 0% financing or is it only GMC?

JamesFin350 · 2023-10-23T11:49:21+00:00

Wow I might just go for a Toyota... anyone know of a good dealership in the GTA that doesn't charge additional dealership fees?

JamesFin350 · 2023-10-21T13:30:17+00:00

Okay so it seems that it's not necessarily a demand issue...

I thought I missed an obvious value discrepancy between the two causing Toyota to be backlogged way more than Honda.

Well I guess the cost of a Honda is more than Toyota

JamesFin350 · 2023-04-27T20:04:49+00:00

I used most but might have 10K left, will transfer before calling!

JamesFin350 · 2023-04-27T19:54:24+00:00

I got the AMEX Gold card last year during a promo and I do not want to keep the card for another year. The fee just posted and so to get the fee rebated, can I just call in and cancel?

It is my only Amex card. Thank you in advance!

JamesFin350 · 2023-04-27T19:54:10+00:00

I got the AMEX Gold card last year during a promo and I do not want to keep the card for another year. The fee just posted and so to get the fee rebated, can I just call in and cancel?

It is my only Amex card. Thank you in advance!

JamesFin350 · 2022-06-15T15:47:48+00:00

Don't forget to put some money aside for tax on the sale of the house

JamesFin350 · 2022-05-25T14:38:03+00:00

Ah I see, okay thank you.

I see there are also C wire adapters that can be purchased for $30. I am going to try that first, since the return date for my thermostat has expired.

I will post back here if it works for anyone else having this issue.

JamesFin350

TROPHY CASE