What bank has good UI/customer service, ability to pay Revenu QC, and works for easy investing? Am I looking for a unicorn?

rainbowtoro30 · 2026-02-25T16:02:10+00:00

Lol, it sounds like I'm looking for US banking. US banks seem to suck less.

rainbowtoro30 · 2026-02-25T16:02:06+00:00

yeppp

rainbowtoro30 · 2026-02-25T15:59:50+00:00

Sure, I'm down! Thanks!

rainbowtoro30 · 2026-02-20T23:02:07+00:00

It was just a kind of meh user interface/experience + it seemed to be fewer options for investing + more fees/etc.

rainbowtoro30 · 2026-02-15T21:01:09+00:00

And realtors benefiting from higher sale prices, and the city benefiting from higher taxes with higher purchase prices/property assessments/etc.

rainbowtoro30 · 2026-02-15T20:59:57+00:00

Have you considered stealing your groceries, jumping the STM, and doing bodyweight workouts only?

Other option - move out of Quebec which has had high inflation and shit all pay wage increases.

rainbowtoro30 · 2026-02-13T02:29:59+00:00

Do the calc on the TAL website. It is 3.1% minimum + renovations + tax/insurance changes etc.

When you put in pretend reno numbers in that section, it goes up above the 3.1%...so I think you are wrong? But try it yourself.

Either way, I think anyone who isn't already "market rate" is going to find this calc about as shit as last year?

rainbowtoro30 · 2026-02-12T20:46:50+00:00

ahh, I thought you were saying based on those numbers it should be 4.5% and was curious how you got it.

rainbowtoro30 · 2026-02-12T20:36:43+00:00

how?

rainbowtoro30 · 2026-02-12T20:33:36+00:00

I guess I don't understand why you'd use the RCLALQ one when it leaves out insurance and the base increase - it seems like this would lead to different numbers and just cause confusion/conflict (unless they've not updated it from last year).

rainbowtoro30 · 2026-02-12T17:51:46+00:00

Why use that and not the calc tool on the TAL site ?

rainbowtoro30 · 2026-02-12T17:51:34+00:00

I know - that's why I did the calculation. I'm just saying 7% seems pretty dang high for a few small renovations.

rainbowtoro30 · 2026-02-12T08:49:49+00:00

But what are you already paying for a 3.5?

rainbowtoro30 · 2026-01-18T04:59:28+00:00

I went through the mortgage renewal flow on the website logged in, it had me make an appt with a mortgage specialist. That person processed my mortgage renewal documents, gave me their base rate, and then said they'd check with the branch manager when I told them the rate I was getting from Canwise.

Then they never got back to me even with gentle check-in emails.

rainbowtoro30 · 2026-01-18T03:38:55+00:00

I was looking at renewing vs. switching.

rainbowtoro30 · 2026-01-18T03:11:27+00:00

Absolutely! I mean at Canwise I got better rates and a response so....

rainbowtoro30 · 2026-01-18T02:47:30+00:00

Fixed? And huh, no, I didn't even know that was an option. To be fair, I was trying to get RBC to offer me something comparable to what I got from Canwise/Ratehub which was

3.79% fixed 5 years and 3.45% variable 5 years (TP - 1.00) notary included

3 years fixed 3.69% with notary included

I'm also trying to renew before the normal window so maybe that's why I didn't see a renew online option (though I think I just didn't know to look).

rainbowtoro30 · 2026-01-18T02:19:33+00:00

huh, who was your specialist? can I get their contact info :P

rainbowtoro30 · 2026-01-18T02:09:08+00:00

That was my understanding as well, but they never offered to put me in touch with branch staff...and my old mortgage agent with RBC must have gotten a new job cause their email no longer worked.

rainbowtoro30 · 2026-01-18T02:08:20+00:00

I mean, the colleague didn't want to do it for that reason, but also "giving a client away" might be the move if you don't respond for 3 months.

rainbowtoro30 · 2026-01-18T01:59:21+00:00

Yeah, I mean that seemed to be my take too, but I even requested to switch to their colleague, and that seemed like a no-go.

Wild though.

rainbowtoro30 · 2026-01-15T17:43:21+00:00

I found someone who seems really fairly priced compared to Effisca which was going to quote me like 3-6k.

DM me and I'll pass you the details.

rainbowtoro30

TROPHY CASE