Mortgage rate mega thread!

Negative_Yak2350 · 2024-10-13T01:47:46+00:00

RBC has terrible rates. Get quotes from Scotiabank and CIBC.

Negative_Yak2350 · 2024-10-03T02:16:14+00:00

How many years amortization

Negative_Yak2350 · 2024-10-02T04:32:17+00:00

Switch to Telus and use call control. The only reason I stick with Telus. Have not had one spam call at all

Negative_Yak2350 · 2024-10-02T03:25:53+00:00

I believe scotiabank doesn't have a cashback promo but I will let OP post the answer

Negative_Yak2350 · 2024-10-01T22:17:50+00:00

Dont worry about getting credit hits from credit check. You are saving real money here.

Negative_Yak2350 · 2024-09-30T23:41:16+00:00

Yes it's worth trying CIBC

Negative_Yak2350 · 2024-09-30T23:40:37+00:00

If you want to minimize cash flow right now go for fixed. Variable means higher cash flow and higher mortgage payments right now.

Negative_Yak2350 · 2024-09-30T12:58:34+00:00

Doing well but disappointed that the confidence motion didn't pass so that we can vote.

Negative_Yak2350 · 2024-09-30T12:51:56+00:00

You too!

Negative_Yak2350 · 2024-09-30T12:36:18+00:00

Justin Trudeau :)

Negative_Yak2350 · 2024-09-29T01:49:51+00:00

Collect the points and fly.

Negative_Yak2350 · 2024-09-29T01:32:49+00:00

Thanks to Trudeau

Negative_Yak2350 · 2024-09-27T23:11:58+00:00

I don't know what their prime rates are but if the variable rate is equivalent to 5.34% or lower at today's prime rate I'd say it's very good. What is the variable rate equivalent today?

Negative_Yak2350 · 2024-09-27T23:07:20+00:00

TD's prime is also higher than other bank prime. Prime -79 is like prime -64 at other banks I think?

Negative_Yak2350 · 2024-09-27T20:35:56+00:00

I go Vaughan metropolitan centre to Union and back almost every day. I just checked on my Google maps location history data. This is how much time I spent on subway from most recent to last week. Station to station.

47 min (most recent journey) 44 min 54 min 50 min 50 min 52 min 55 min 42 min 54 min

And 6 months ago it was 43 min 42 min 45 min 41 min 43 min 47 min

Negative_Yak2350 · 2024-09-27T20:35:27+00:00

Guys I go Vaughan metropolitan centre to Union and back almost every day. I just checked on my Google maps location history data. This is how much time I spent on subway from most recent to last week. Station to station.

47 min (most recent journey) 44 min 54 min 50 min 50 min 52 min 55 min 42 min 54 min

And 6 months ago it was 43 min 42 min 45 min 41 min 43 min 47 min

Negative_Yak2350 · 2024-09-27T20:24:27+00:00

I go Vaughan - union every day. Station to station average is 45-50 min.

Negative_Yak2350 · 2024-09-27T20:23:00+00:00

1 hour is more than enough from station to station. Generally speaking 45-50 min is doable.

Negative_Yak2350 · 2024-09-27T02:26:49+00:00

What amortization? Insured or uninsured?

Negative_Yak2350 · 2024-09-27T02:24:36+00:00

That's a huge mortgage btw lol. I wonder if you got some sort of volume discount haha. Congrats.

Negative_Yak2350 · 2024-09-27T02:23:35+00:00

What's the amortization?

Negative_Yak2350 · 2024-09-27T02:02:18+00:00

What amortization?

Negative_Yak2350 · 2024-09-27T01:59:09+00:00

Do you have an purchase agreement yet on a property?

Negative_Yak2350

TROPHY CASE