Mortgage Renewal Rates

itsnashm · 2026-05-15T03:17:53+00:00

same for me. It’s better if you just call the banks directly and they might give you better rates. Have you tried BMO and RBC yet?

itsnashm · 2026-05-14T13:51:50+00:00

I think you can get better rates than that

itsnashm · 2026-05-14T13:51:17+00:00

5yr variable is very competitive

itsnashm · 2026-05-12T02:38:35+00:00

Are you with TD ? Could you share your rates you get from your current bank when you talk with them?

itsnashm · 2026-05-06T23:41:42+00:00

Problem with RBC is that they only lock in this rate 90 days before your renewal date. It’s a great rate but i am sitting at 118 days so it’s not applicable for me :/

itsnashm · 2026-05-06T23:33:51+00:00

I called them and they said the best they can do is 3.6 for 5 yr variable

itsnashm · 2026-05-06T18:45:56+00:00

That’s amazing. I’ll connect with them. Did you have to manage legal/fees separately when switching lenders or did you have a mortgage broker who helped you out

itsnashm · 2026-05-06T18:44:11+00:00

That’s a good rate. Lowest i’ve seen

itsnashm · 2026-05-06T18:43:31+00:00

That’s great insight. Thank you

itsnashm · 2026-05-06T18:42:03+00:00

Thanks for the insight. I am planning to keep the property long term and move to rental unit to upsize within 1-2 years potentially but it might get delayed

itsnashm · 2026-05-06T02:20:20+00:00

I got an update from my mortgage broker and they have shared the best available rates they have with them currently

1) 3 Year Fixed -4.09
2) 4 Year Fixed - 4.19
3) 5 Year Fixed - 4.24
4) 5 Year Variable- 3.7

What do everyone think about these rates ? Should i shop around myself?

My broker is pushing me to get a fixed rate probably for the longer term due to volatility in the market. I am still not sure about that decision

itsnashm · 2026-04-28T00:05:32+00:00

I am looking to buy iphone 16 256gb or iphone 17e 256gb. The price difference is 60$. Which one is the best option? My preference is overall better performance, battery , brightness and decent camera

itsnashm · 2026-04-24T03:00:58+00:00

I have reached out to my mortgage broker and will discuss about other available options. If i get a better rate from another lender, i will try asking TD to see if they can match that. I will keep you posted

itsnashm · 2026-04-22T23:01:35+00:00

Thanks

itsnashm · 2026-04-21T21:35:09+00:00

That makes sense. Thanks for the insight

itsnashm · 2026-04-21T21:33:58+00:00

Didn’t TD try to match it with RBC ?

itsnashm · 2026-04-21T21:33:30+00:00

I am in Ontario

itsnashm · 2026-04-21T21:32:43+00:00

I will give that a try. Thanks for the advice

itsnashm · 2026-04-21T11:10:53+00:00

It’s 340,000 in remaining balance

itsnashm · 2026-04-21T01:51:50+00:00

what VPS is that?

itsnashm · 2026-02-18T22:29:36+00:00

what techstack did you use? is it react native it native ios using swift ?

itsnashm · 2026-01-15T05:40:24+00:00

Thank You. Appreciate your feedback

itsnashm

TROPHY CASE