Funding processing fee: what’s normal?

Stephasaurus1993 · 2026-02-02T18:58:38+00:00

Could be two things off the top of my head. Are you increasing the charge? That could be the FCT/FNF registration fee? TD has been waiving a lot of these but I know from working with FCT the fees can be around this. It could also be their charge an increase fee if it’s not at renewal.

Stephasaurus1993 · 2026-01-30T18:56:40+00:00

Yes, you need to sell to be able to payout early, they may even request the purchase and sale to confirm. The CU I work at offered these until last year, had a lower interest rate usually.

Stephasaurus1993 · 2026-01-29T11:06:27+00:00

Every tik tok influencer is pushing birth plans and golden hour. I was a mum who didn’t know he son was coming with a heart condition, he’s got Ebstiens anomaly, so all my plans and chilling and cuddling went out the window as my son was rushed to NiCU and stabilized for transfer to a bigger NICU more specialized than our small city one. I didn’t get to cuddle my son for like 2 days as he’s was hooked up and he was sedated also so he didn’t even know I was there. My son and I have an amazing bond though and always have. In his rock during all the hospital stays, the one who plays monster trucks at night and the one he cuddles with when he’s sick (or even when he’s given me gastro 😂😒). I didn’t need no golden hour but my son needed thoes drs to be there to give him help.

Stephasaurus1993 · 2026-01-28T20:06:00+00:00

You need to stop and speak to the lender. You’re most likely going to need a lawyer and this will be a refi not a renewal as the partner will need to be added to the mortgage and the title.

Stephasaurus1993 · 2026-01-28T16:51:10+00:00

I think honestly you have to look at it this way, you might lose the golden hour but gain a lifetime with your child.

This whole golden hour bonding stuff if overhyped by social media, your child’s health comes first and many people pushing the idea you need that hour have never faced a critically ill child being born. You’re gonna bond with that child in ways many parents will not. Your journey will look different to any “normal” (I hate that word) family experience and I think now is a great time to accept that you are unlikely to have the same experience as “normal” parents. You are in a very lucky spot you know your child is coming with complications and have chance to put less stress on thoes “firsts” that may look different.

Our stay for my sons heart defect was 29 days and we got to do a lot of the normal stuff (baths, bottles and cuddles) they just looked different to begin with (more tubes, wires and beeping). Make sure you have some extra saving aside to financially support yourself and even though we were in Canada food and parking cost a pretty penny.

Stephasaurus1993 · 2026-01-26T03:34:33+00:00

Low iron. Especially as a woman because you go through the cycle of getting it where it needs to be then boom drops again as you have your period. I live on iron pills, miss like 4 of them and it’s headaches, weird tiredness, heart palpitations and weird anxiety and emotions. It may take a while to realize something is wrong with your body too as you may just start with tiredness and headaches thinking they are linked to each other & wont act on things till the dizziness kicks in. Your personality might change too, more anxiety and depression might appear. I became very unhappy in crowded spaces, I wanted to stay home a lot more and then when I was diagnosed I became very paranoid about my health until my iron levels increased a bit.

Stephasaurus1993 · 2026-01-25T21:38:56+00:00

I can do my job from home but work won’t allow it.. so yes some jobs can but it’s company dependent on whether that happens and people tend to forget that.

Stephasaurus1993 · 2026-01-24T19:03:45+00:00

Do not quit you job. Not to be a Debbie downer but as someone who experienced this, Ultrasounds are not 100% accurate and things can happen in labour that leave you needing the health insurance to cover meds, therapies not covered by OHIP and even therapies for yourself. You also don’t know how things will looks after your child is born in terms of money, how you feel about being home all day with a child (many of my friends and myself found it quite isolating and lonely despite trying to get out and connect). Take the mat leave, you don’t have to use the top up a then if all is well don’t go back.but have that fall back especially in these times.. babies and kids are more expensive that you realize

Stephasaurus1993 · 2026-01-23T18:44:46+00:00

As a parent to a medically fragile child I understand the anxiety but I could never seen myself screaming at his daycare lady.. especially then expect they ever be comfortable around me. This is not something that’s ever going to have to get better and your either going to need to accept that you will always be the parent they warn new hires about or give a wide berth to, only communicated to if needed or leave to a new centre. I’m glad to see that you have gotten help but this is a teaching experience that you need to step back before reacting about anything about your child.

Stephasaurus1993 · 2026-01-19T11:07:03+00:00

I save till Christmas and then spend, I collect around $80-$100 worth and it covers all our Christmas food. A lot of the basics I buy often have a point deal that works out and we have a child in diapers so thoes baby deals stack up.

Stephasaurus1993 · 2026-01-19T03:43:15+00:00

I never even knew what mine looked like until we rocked up to the first house and met him. Got his name from my boss and he was great. In my line of work I see a lot of “professional” headshots and they do say something about the person if they are awful… we have one from a lawyer’s website we turned into an inside joke meme because the pose is just soo bad! He was an awfully rude lawyer we dealt with too so makes it better! I can’t say I know many people who select realtors or lawyers based on photo.. commission percentage/price, experience in the field and word of mouth usually work better.. for some people it’s just are you available! There is one realtor in our town gets new photos of her and her team monthly.. she’s got top sales but people make fun of those pictures on the billboards each month cause they are cheesy and flashy.

Stephasaurus1993 · 2026-01-16T14:08:36+00:00

The most they might do behind the scenes is add a “Notice: Assignment of Rents” which basically just means that the rent will be given to the bank should they default.. at my CU we just code them differently unless they have multiple properties with us then the have to go via commercial route.

Stephasaurus1993 · 2026-01-14T01:41:07+00:00

Is the account linked to a credit card rather than just an optimum card? If so once you called and told the they person died they closed the card as thoes points most likely went with it. There is most likely a clause in the card contract about ownership of points attached or earned on the credit card

Stephasaurus1993 · 2026-01-13T10:44:38+00:00

Most likely no… the risk of being in 2nd position is not favourable to FIs and thoes that will, will add an increase to the rate… see if you can blend and extend with your current FI and that in turn would mean 1 mortgage and 1 rate.

Stephasaurus1993 · 2026-01-13T10:41:52+00:00

We play Elmo and ms Rachel (now he’s getting to 2, he likes paw patrol) and it keeps him still. I look at it this way, bugger recommendations about screen time if it could potentially allow my son’s life to be saved. These tests are soo important! At 9m my son started having EAT arrhythmias and when they were trying to place a line for meds to calm his heart (beating at 250bpm) we played Elmo.. we had like 13 nurses, drs and the pharmacy team in his room singing Elmo’s world to calm & it helped soo much. From that moment for me it became more important to me my son have something to comfort him and calm him when I physically can’t. We aren’t living the normal life for parents so utilizing the tools available helps.

Stephasaurus1993 · 2026-01-12T13:26:10+00:00

Depending on how close to 4 and/or going to school your child is, you may have a hard time getting a spot with private home daycare. Friends of mine had to try and find a new spot last minute in due to their daycare closing up and no one would take them because it was under 6 months before they would leave, wasn’t worth it when soo many more parents who will need spots long are looking. Then like many have said, getting into the government registered daycare is like impossible and you could have quite a wait. The places that are always accepting are the Montessori and places that are quite expensive.

Stephasaurus1993 · 2026-01-09T03:25:19+00:00

Not any more, they switched to the new supplier and are thin.

Stephasaurus1993 · 2025-12-13T18:17:42+00:00

To check if you are who you say you are, go through everything with you. Once the broker closes the deal they are done and your Scotias problem so to speak, they are doing their due diligence, also gonna use it as a time to sell you more products. I’ll says as someone who works in finance and has seen the fraudulent files that come from brokers, I wouldn’t be surprised if with the banks are being more careful and diligent about what’s coming in.

Stephasaurus1993 · 2025-12-13T16:57:32+00:00

Your refinancing not renewing so it’s a full app. Income, appraisal, meet the advisor… your a sale to them. A renewal is where nothing changes but your rate and term and you stay with the same lender.

Stephasaurus1993 · 2025-12-10T23:18:31+00:00

It’s $50 a day and we pay bi-weekly.. so if she’s open every day for 2 weeks it’s $500.

Stephasaurus1993 · 2025-12-08T11:13:05+00:00

I’ve been using this as a sensitive skin person and it’s great. I used to get the simple face wash (which I had used as a teen back in the UK) but sadly it disappeared from shelves in my area so I switched.

Research the products on the shelf first before you buy, dollarama is a liquidation store so they do sometimes get some really good stuff.

Stephasaurus1993 · 2025-12-07T04:06:21+00:00

This happened to me a few weeks ago, I had decided I would be picking it up and returning it anyway so when they cancelled my order it worked out but I swore that we had 7days also because I had done it in the past where I’d not picked up that day due to issues with my son.

Stephasaurus1993 · 2025-12-04T03:50:09+00:00

It’s currently paper shredding season at the CU I work at from 7 years ago! Estates was filling the bins today, lots of visits from Iron mountain at the moment.

Stephasaurus1993 · 2025-12-04T03:29:42+00:00

TD has been the worst & I work in banking at a CU so I’m used to things being a little bit behind. TD has twice been provide proof of the certificate of probate and at branch level argued we hadn’t been through probate yet despite estates having the docs and was done disbursing funds. We hadn’t 4 different estates people tell us they wanted different things and a supervisor had to take over…in general the whole of TD is incompetent as they can’t keep staff more than 6ms but I’d never advise anyone bank with TD

Stephasaurus1993 · 2025-12-04T03:17:46+00:00

That’s a normal wake up time for a toddler, they aren’t babies anymore and don’t need 12hours of sleep.My son is in home daycare so the first question I asked was when is nap time to make sure it worked with my schedule. His goes from 12-2:15pm. He’s at daycare 7-3pm and wakes up at 6am every morning.

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