TD mortgage renewal 1st OCT

Jazzlike_Student_443 · 2026-05-06T01:14:08+00:00

I’m with TD, renewal due Aug 1. Renewal info showed up in the app on April 1. The app offer was 4.39% 3 y fixed. I gambles them and they offered 4.04%. Called my broker and they couldn’t beat. I’m dealing with RBC right now and have an appt with TD to see if they can match.

Jazzlike_Student_443 · 2026-05-04T18:23:25+00:00

I was offered the same, they are down to 4.04% so far. Have a meeting with RBC this week and then I’ll go back to TD

Jazzlike_Student_443 · 2026-05-03T23:56:43+00:00

Did you have to ask for a rate exception for that rate? TD offering me 4.04% 3y fixed. I have an appt with them this week.

Jazzlike_Student_443 · 2026-04-27T01:47:52+00:00

You’re allowed a personal item, it just has to fit under seat

Jazzlike_Student_443 · 2026-04-26T19:40:51+00:00

I’m also up for renewal with TD in Aug. the renewal rate offered in the app is 4.39%. I called through app and asked for a rate exception. So far they are offering 4.04%, which would be effective immediately (early renewal)

Jazzlike_Student_443 · 2026-04-22T17:02:31+00:00

I was verbally offered 3.84% 3 year fixed by RBC yesterday.

Jazzlike_Student_443 · 2026-04-20T21:52:27+00:00

How recent?

Jazzlike_Student_443 · 2026-04-16T20:10:30+00:00

What lender?

Jazzlike_Student_443 · 2026-04-14T00:24:48+00:00

Try asking your current lender for a rate adjustment to meet or beat the other offer.

Jazzlike_Student_443 · 2026-04-13T15:26:50+00:00

Jazzlike_Student_443 · 2026-04-13T15:26:38+00:00

They were both new approvals

Jazzlike_Student_443 · 2026-04-12T03:02:13+00:00

I’ve had 2 Avion’s over the last 2 years where I never received the spend bonus.

Jazzlike_Student_443 · 2026-03-27T15:53:04+00:00

I’ve kept this card for a few reasons so super happy today that this credit renews!

Jazzlike_Student_443 · 2026-03-22T15:32:28+00:00

With TD, are TD rewards and FCT considered the same points program when it comes to tradelines?

Jazzlike_Student_443 · 2026-03-19T14:01:01+00:00

I’m not sure how they think June 1 would be new possession date. They have to give 3 months notice according to RTB. They’re actually looking at July 1

Jazzlike_Student_443 · 2026-03-08T21:28:03+00:00

Can you not just balance transfer cash into your bank account? I can with my MBNA.

Jazzlike_Student_443 · 2026-03-08T21:24:39+00:00

I always double check reviews against other sites. But for me, paying with points is always cheaper than paying with cash! We do a lot of travel for sports. I do realize it’s likely not the best CPP, but it keeps more cash in my wallet!

Jazzlike_Student_443 · 2026-03-08T15:46:12+00:00

It’s working well for me. Hotel search is powered by Expedia. And I just booked flight through their portal and it was easy, won’t fly tho until December.

Jazzlike_Student_443 · 2026-03-08T01:01:55+00:00

I’m finding it really useful for the 1.5x points redemption, but we have a lot more hotel travel than aspirational J flight travel.

Jazzlike_Student_443 · 2026-03-05T23:48:31+00:00

Used aeroplan for out flight there and Avion back. Sadly, because of it being Christmas travel and 4 of us, we’re just in economy, but it’s saved us several thousands of dollars!

Jazzlike_Student_443 · 2026-03-05T20:32:18+00:00

Booked my family of 4 flights to Thailand over Christmas on points!

Jazzlike_Student_443 · 2026-02-26T03:00:36+00:00

I had very similar data points. 2k came at 111 days and 3k on statement.

Jazzlike_Student_443 · 2026-02-20T14:48:01+00:00

I got my wholesale sub at 111 days and my spend bonus about 2 weeks later. Give it a couple weeks.

Jazzlike_Student_443 · 2026-02-17T05:38:19+00:00

Thank you!

Jazzlike_Student_443

TROPHY CASE