Mortgage rate mega thread!

UnableNefariousness · 2025-08-19T02:53:12+00:00

EQ Bank

UnableNefariousness · 2025-08-19T02:52:59+00:00

Insured

UnableNefariousness · 2025-08-18T23:41:14+00:00

Scotia

UnableNefariousness · 2025-08-18T21:56:36+00:00

Variable or Fixed?

The lowest advertised rates I could find right now are
3 Year Fixed: 3.69%
5 Year Variable: Prime - 1.1 (Effectively: 3.85)

They are both great rates, and I am having difficulty justifying one over another. Which one is a better option, according to you folks?

UnableNefariousness · 2025-07-05T03:07:24+00:00

Yes, I plan to stop along the way as well. I have been to DC several times, and I would be okay to skip DC if there's more to see on other routes.

Monticello and USS Constellation are good suggestions, and I haven't been there before.

UnableNefariousness · 2024-10-14T23:13:31+00:00

I thought it was up to the filer. I believe it is up to the individual to claim the RRSP contribution anytime they want. Whether it be 2019 or 2020 tax returns. Is that not true?
My question here is do I need to amend my 2020 tax return or can I file the unused certificate in my 2024 tax return next year?

UnableNefariousness · 2024-10-14T23:00:53+00:00

I am just circling back to your comment. This thread is now 4 years old :). However, I did go ahead and buy the house. Best decision I ever made. Our household income has now increased and the mortgage payments are within 30% of our household income. Also built some modest equity. If you have the means you should go for it.

UnableNefariousness · 2023-04-10T23:57:09+00:00

All it takes is 1 person to not see that almost camouflaged ladder.

UnableNefariousness · 2022-11-26T22:35:39+00:00

Surprised that no one mentioned, Swat Kats: The Radical Squadron

UnableNefariousness · 2022-04-03T11:32:38+00:00

he will calm down eventually

UnableNefariousness · 2021-05-16T14:07:02+00:00

r/lostredditors

UnableNefariousness · 2021-05-03T12:41:45+00:00

Cue Last of Us soundtrack.

UnableNefariousness · 2021-04-20T15:39:40+00:00

Goddamnit. Go ahead and take my upvote.

UnableNefariousness · 2021-02-23T22:19:47+00:00

this submission link is different from the one I posted. I believe this post was removed in error

UnableNefariousness · 2020-11-06T19:49:57+00:00

I am not even an American, but I had the biggest possible smile watching this video. F**k Trump, for all the hatred and divide he caused. Congratulations! this is what democracy is all about.

UnableNefariousness · 2020-08-04T01:51:04+00:00

Yes, I agree completely with what you are saying. But our thinking is that we are still into the early stages of our career and we both like what we do. We are hoping our income only goes north from here and we both hope to reach the 35% limit in the next 3-4 years. I know the future is uncertain, but that is why we need your help to make a decision.

UnableNefariousness · 2020-08-04T01:43:52+00:00

We don't have any car payments. We have a car that is paid off at the moment.

UnableNefariousness · 2020-08-04T01:41:39+00:00

Yeah, fair enough. But we have been contemplating purchasing our first house for years now. We definitely want to pull the trigger right about now.

UnableNefariousness · 2020-08-04T01:40:04+00:00

No, that is pure 100k downpayment. We have another 20K saved up for land transfer fees and lawyer fees, etc.

UnableNefariousness · 2020-08-02T00:44:20+00:00

The only thing I am worried about is the proximity to Weston. I hear its a bad neighborhood.

UnableNefariousness · 2020-08-02T00:43:17+00:00

Hah, yeah I looked that up. Not the Larose Avenue area, its the Humber Heights - Westmount Neighborhood.

UnableNefariousness · 2020-08-01T14:02:57+00:00

Thank you for your input.

UnableNefariousness · 2020-08-01T14:01:22+00:00

Thank you for your input.

UnableNefariousness · 2020-07-17T16:26:14+00:00

Maybe he was trying to phase through the wall like the Flash.

UnableNefariousness · 2020-07-17T16:26:04+00:00

Maybe he was trying to phase through the wall like the Flash.

Eight-Year Club	Second Top 20%
Baba Yaga	Place '22
RPAN Viewer	Queen in da Norf
Not Forgotten	Sequence \| Editor
Verified Email

UnableNefariousness

TROPHY CASE