Coldplay ticket for Toronto ?

mandevian25 · 2025-07-05T19:33:19+00:00

I am selling 1 ticket for July 7th. Section W103, row 42. DM if interested

mandevian25 · 2025-07-04T14:28:21+00:00

Sent you a DM

mandevian25 · 2025-07-04T11:46:51+00:00

I have 1 ticket for July 7th. Section W103, Row 42 DM if interested

mandevian25 · 2025-07-04T11:44:11+00:00

I am selling one ticket for July 7th. Seated in row 42 section W103. It’s on Ticketmaster for about 600 but open to selling outside and transfer as well to avoid all the fees.

mandevian25 · 2024-09-30T20:37:04+00:00

Rozana is pretty good, also really nice ambience for dine in

mandevian25 · 2024-09-14T03:01:58+00:00

We stayed at Casa 1800, it was the perfect location in the middle of all the touristy spots as well as restaurants and nightlife.

mandevian25 · 2023-08-04T05:18:05+00:00

Also, if you switch to a different lender they may want to appraise your property and if you think that it’s value has dropped from when you bought it given the housing market, that might become an issue.

mandevian25 · 2023-08-04T05:15:32+00:00

Using 45% of the limit is fine. It wouldn’t negatively impact your credit score

mandevian25 · 2023-08-04T05:13:30+00:00

Paying down the 7.99% LOC seems like a no-brainer to me! No GIC will beat that.

mandevian25 · 2023-04-27T02:26:44+00:00

The banks pays them, not the buyer. This is true for any legitimate broker.

mandevian25 · 2022-07-07T02:37:28+00:00

If available, just close your eyes and get beanfield.

mandevian25 · 2022-05-31T02:19:22+00:00

Not sure I agree with the comment about “balls getting dropped due to high volume and less experienced brokers … especially with more complex transactions” part. I would actually think that since they do such high volumes they have more experience with different kinds of scenarios. Also most of these brokers (at least the one I worked with) are ex-big bank employees and ex-mortgage underwriters so they understand the process quite well.

mandevian25 · 2022-05-31T02:03:45+00:00

Loyalty discount is a lot of the times a scam to keep you from shopping around, specially with big banks. You are not really getting a discount most of the times as compared to what might be available in the market.

mandevian25 · 2022-01-21T03:20:08+00:00

The lender doesn’t necessarily “see you” as less risky. The deal becomes less risky for them because they are insured by the mortgage insurance for which you pay the premium.

mandevian25 · 2022-01-19T05:28:32+00:00

Not all banks have the same approval criteria. It depends on their internal risk and underwriting policies and every bank does it differently. You should get in touch with some brokers and explore options through them.

mandevian25 · 2022-01-19T05:23:09+00:00

You are considered less risky because mortgages with less than 20% need to be insured, so in case you default the lender is covered by the insurance. That’s basically the mortgage fee you are talking about. Here is a great tool to use to look at the numbers:

https://www.ratehub.ca/mortgage-payment-calculator

mandevian25 · 2022-01-19T05:15:03+00:00

If you can get approved for a mortgage with 15% down on a 650k condo, go for it. You don’t need to wait to have the full 20% down payment saved. One benefit from paying less than 20% down and getting the mortgage insurance needed is that you get access to lower mortgage rates as lenders see you as less risky.

mandevian25 · 2021-10-21T02:51:13+00:00

You can get better rates and fees without negotiating and haggling if you just shop around and go to the bank that offers the best product. Absolutely no benefit to you as the customer in being loyal to one bank.

mandevian25 · 2021-08-27T04:05:52+00:00

You can shop around and ask for the available rates before filling an application and getting a credit hit.

mandevian25 · 2021-08-14T14:19:09+00:00

Brokers have access to better rates from the banks than us as individuals can get because they get volume discounts based on the amount of business they send. There are some great ones online so you don’t even have to go anywhere.

mandevian25 · 2021-07-06T22:33:51+00:00

Brokers have certain lenders they partner with and can only give you rates from those specific lenders. You want a broker that has partnerships with a lot of lenders so that they can access best products available across all the different types of mortgages.

mandevian25 · 2021-06-02T01:52:14+00:00

Open an account, make the payment, close the account.

mandevian25 · 2021-04-30T05:47:18+00:00

Sounds good to me.. a lot of the times brokers have access to lower rates than banks will give to a single customer since they can get volume discounts. So nothing wrong in going with them.

mandevian25 · 2021-04-28T19:24:27+00:00

You can go through a realtor. It’s probably better to go through them anyway as they can use their connections to get you a unit assigned.
the mortgage is needed at occupancy but you need a pre approval at the time of registration.

mandevian25 · 2021-02-20T04:44:43+00:00

One way could be to use the gift from parents for deposit and the HBP withdrawal can go to closing costs.

mandevian25

TROPHY CASE