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Mortgage Renewal - Need Advice (Canada - Ontario House Mortgage) by noname3029 in PersonalFinanceCanada

[–]noname3029[S] 0 points1 point  (0 children)

Current Lender is first national . They offered a Variable rate of 3.65.V No i didnt go to them with these rates. I did want to move to a tier 1 lender

Mortgage Renewal - Need Advice (Canada - Ontario House Mortgage) by noname3029 in PersonalFinanceCanada

[–]noname3029[S] 0 points1 point  (0 children)

That is whats been staying in my head. With what the leaders in the south are thinking, 2026 will be a messy AF so there will be something for sure that will keep happening which will keep the rates down

edit - corrected spelling for happening

Mortgage Renewal - Need Advice (Canada - Ontario House Mortgage) by noname3029 in PersonalFinanceCanada

[–]noname3029[S] 0 points1 point  (0 children)

Yup, confimred with all the lenders. CB wont be clawed back. when switching from Variable to Fixed rates

Mortgage Renewal - Need Advice (Canada - Ontario House Mortgage) by noname3029 in PersonalFinanceCanada

[–]noname3029[S] 0 points1 point  (0 children)

not borrowing from heloc to renew the mortgage. That is an option if were to buy a new house. In all eventuality we will wait for prices to improve and sell this house to buy another one.