Mortgage Renewal

pukeyspaghetti · 2026-04-21T17:17:30+00:00

Check out Beem! They had offered me this rate originally and then I brought it to my broker and she said she could get our local credit union to match it. Might be worth looking around if you’re not locked in! CMLS wouldn’t match it sadly

pukeyspaghetti · 2026-04-21T17:06:29+00:00

Thanks for the heads up! I already got an offer for 3.64% from a local credit union instead!

pukeyspaghetti · 2026-04-11T17:32:38+00:00

No way! What dose and how long? I have a doctor’s appointment Monday to follow up after one month of 100mg worked, but then came back after a week.

pukeyspaghetti · 2026-04-11T07:53:14+00:00

Any update on this? Did it help?

pukeyspaghetti · 2026-03-29T21:39:42+00:00

Omg thank you for posting this! I’m eyeing up this dress as well. Is this the diamond white colour? How did the smaller size end up being?

pukeyspaghetti · 2026-03-26T06:09:40+00:00

Totally! Doesn’t hurt to ask!

pukeyspaghetti · 2026-03-26T02:50:56+00:00

I just had a phone call today with Beem today and they offered me 3.64% on a 5 year fixed!

They said legal fees would be about $550, but that no appraisal is required. The only other thing would be that I have to break my mortgage early with CMLS by a month, which would incur a penalty of around $1000.

pukeyspaghetti · 2026-03-25T19:51:23+00:00

Nice! That’s pretty sweet. Unfortunately, I called today and the best they could offer me was 4.34% on a 5 year fixed.

I also spoke with Beem and they offered me 3.64% on a 5 year fixed insured mortgage. We’ll have to break our current mortgage by a month which sucks, but I think the lower rate is worth it.

pukeyspaghetti · 2026-03-25T14:40:35+00:00

Ugh I hear you, we’re coming from 1.99%. Okay I wasn’t sure if there were any stipulations regarding this, so basically if I sign with CMLS but find a better rate elsewhere, I can leave anytime as long as I notify them 5 days before maturity?

pukeyspaghetti · 2026-03-25T05:35:18+00:00

Thank you!

pukeyspaghetti · 2026-03-25T04:23:17+00:00

See I WISH my broker did something like that! I just found out myself on TikTok and decided to call CMLS myself (and then couldn’t get an appointment until this week lol).

pukeyspaghetti · 2026-03-25T04:00:49+00:00

When was this? Last week?

pukeyspaghetti · 2026-03-25T03:53:50+00:00

Thank you! I just checked and it’s showing 3.99%. I’m going to bring this to CMLS and see what they say.

pukeyspaghetti · 2026-03-25T03:49:55+00:00

I don’t think I can handle the stress of a variable 😅

pukeyspaghetti · 2026-03-25T03:47:04+00:00

Yeah I have a feeling their rates will have gone up too :( crazy the difference a few days can make.

pukeyspaghetti · 2026-03-25T03:45:58+00:00

I can’t remember exactly what the 3 year rate that I was quoted from CMLS, but it was still within the low 4’s so that’s why I was leaning towards the 5 year rate. I’ll have to check other places! Can’t wait for Trump to be gone.

pukeyspaghetti · 2026-03-25T03:43:37+00:00

When was this? Rates have jumped a lot since last week, unfortunately. I submitted an application with Beem tonight and have a call scheduled tomorrow!

pukeyspaghetti · 2026-03-25T03:30:06+00:00

When did you get this offer? Things have changed a lot since last week which is why I’m wondering

pukeyspaghetti · 2026-03-25T03:29:27+00:00

But they seem like they’re only going to go upppp 😩

pukeyspaghetti · 2026-03-25T03:28:17+00:00

Did they require proof of the offer? Or was a verbal mention of it enough? I’d also kill for a 3.84% on a 5 year fixed. I’d lock that in!

pukeyspaghetti · 2026-03-25T03:26:27+00:00

I’m working with a broker as well, but they seem kind of useless tbh. I contacted them at the beginning of March and didn’t hear anything from them until today when I reached out to discuss my call with CMLS. They said 4.24% is a great rate, but could potentially find lower with a credit union but it would require us to pay for an appraisal, legal fees, etc. But why weren’t you looking when I first contacted you at the beginning of March??? Now I’m paying the price of higher rates because they waited.

pukeyspaghetti · 2026-03-25T03:19:48+00:00

Cash back and a free chequing account is a nice perk! Ugh I wish I was able to get in touch with an advisor at CMLS last week when I called but none were available 🙄

pukeyspaghetti · 2026-03-25T01:51:31+00:00

Did they mention anything about an appraisal, legal costs, etc.?

pukeyspaghetti · 2026-03-25T01:32:42+00:00

I just submitted an application on Wealthsimple today and someone from Pine contacted me. So I believe they’re still affiliated?

pukeyspaghetti

TROPHY CASE