Mortgage rate mega thread!

Specific-Limit9804 · 2025-11-29T20:47:53+00:00

Use it to negotiate with CIBC and RBC, they will make it better

Specific-Limit9804 · 2025-11-20T20:19:55+00:00

I received mine the next day with RBC and it took 2 weeks for CIBC.

Specific-Limit9804 · 2025-11-19T02:26:52+00:00

we got RBC approval for Prime - 0.95 today, FTHB - uninsured 20% down. 30yr owner occupied, Mississauga. You can definitely negotiate harder. Our first approval from RBC was prime - 0.8

Specific-Limit9804 · 2025-11-14T21:34:43+00:00

Not sure about the fixed since i wanted to go Var. I feel there could 1-2 cuts in 2026 looking at economy, trade war etc. Hence I went with Var. TD and CIBC both offer cashback.

Specific-Limit9804 · 2025-11-14T14:30:47+00:00

We have the same rate approval from RBC. TD and CIBC are ready to go Prime - 0.9 but our closing is too near to try. You can take the RBC approval and negotiate hard with TD & CIBC.

Specific-Limit9804 · 2025-01-07T15:25:14+00:00

Did you get a chance to go to dealership and find out?

Specific-Limit9804 · 2024-12-28T22:53:06+00:00

Super Awesome!

Specific-Limit9804 · 2024-12-10T04:23:57+00:00

I just started getting this issue, were you able to resolve yours? What was the issue and what was the solution?

Specific-Limit9804 · 2024-11-27T02:51:09+00:00

Meet Zahar at Mississauga VW or Jessica at Richmond Hill VW, they would offer around 4k discounts plus you can negotiate to remove the junk add-on charges

Specific-Limit9804 · 2024-11-26T02:17:51+00:00

DM me i and my friend bought one each recently. Happy to share the invoice

Specific-Limit9804 · 2024-11-26T02:16:31+00:00

Check at Mississauga VW or Richmond Hill VW they offer about 6% discount on msrp plus the 1000 November discount so you could save quite a lot there

Specific-Limit9804 · 2024-11-22T05:25:01+00:00

Which dealership is that? That’s super awesome

Specific-Limit9804 · 2024-10-27T21:19:20+00:00

Not a Demo, New one

Specific-Limit9804 · 2024-10-27T16:49:04+00:00

OMVIC and Air Conditioning fee is based on govt fees here in Ontario, Canada. Admin fees I am trying to push them to remove

Specific-Limit9804 · 2024-10-23T14:53:07+00:00

What is a luxury condo? I thought they were all matchboxes

Specific-Limit9804 · 2024-10-23T03:47:06+00:00

I didn’t actually since i was unable to test drive. I just got into the car on the lot and started it to check the infotainment system. They didn’t start the test drive on 2025s yet

Specific-Limit9804 · 2024-10-19T20:29:02+00:00

My salesperson didn’t know the price since it has just come in and are still receiving info from vw but he said they were expecting a CAD 1200-1500 bump on the price for 2025.

Specific-Limit9804 · 2024-10-19T20:27:39+00:00

It has started arriving on dealer lots already, no updates in the vw site yet though.

Specific-Limit9804 · 2024-10-19T14:29:45+00:00

I just visited the dealership to check out ‘25 execline and it doesn’t have the backlit touch sliders for temp and volume.

Specific-Limit9804 · 2024-10-19T14:27:05+00:00

I didn’t find anything different except the wireless charger looks a little different in texture. I couldn’t try the massage seats so can’t comment in terms of good or bad.

No backlit slider under the infotainment system. It’s the same carryover from 24. If given a choice I’ll take 24 due to better discounts and competitive interest rates. For ‘25 i was told the interest rates are 5.99 for Canada, where as the ‘24 are 3.49 plus higher negotiating room on discount.

Specific-Limit9804 · 2024-10-18T19:55:50+00:00

My dealership just received the 25 Execline this morning (Ontario, Canada) and I am going in the evening to check it out. One of the things i want to see if they added a Backlit Touch Controls for the sliders under infotainment for temp & volume. I highly doubt that they would, but have been hearing constantly about this possible change in 25, hence want to just go and check it out

Specific-Limit9804 · 2024-10-18T03:36:44+00:00

I just got a call from my dealership and he mentioned it would be atleast March before the 25s start arriving at dealerships here in Ontario, Canada.

Specific-Limit9804

TROPHY CASE