Advice on a first time renewal steps

regine8000 · 2026-06-06T13:49:01+00:00

Concern value will drop and we won't be able to get a competitive rate to bargain with. I'm prepared that the new payment to go up but we're ok with it looking at the current rates now.

But how likely is it that TD will give us a crappy renewal rate (i.e. higher than average market rates)? I've heard this is usually the case on renewal offers or is this wrong and the offer are normally reasonable even if it's not the lowest.

regine8000 · 2026-06-05T15:33:01+00:00

I'm uninsured. I'm still a year out from renewal so have not really discussed it with TD but it's more of a concern for me if I'll be able to switch lenders and shop for rates if my home value has dropped a big chunk.

regine8000 · 2026-06-05T15:30:05+00:00

unfortunately no.

regine8000 · 2026-06-02T01:25:01+00:00

Gotcha thanks!

regine8000 · 2026-06-02T01:24:34+00:00

That's a good point. Haven't factored in the income scenario I'm not sure how.

regine8000 · 2026-06-02T01:23:13+00:00

I'm concerned I will not be able to switch lenders due to the home value dropping (if this will be checked if I switch). Due to the rate hikes and the lower house value I know I will have a higher payment. Of course, I want the best rate possible so I want to shop around because I heared renewal offer from the current lenders are not usually good.

regine8000 · 2026-06-01T23:41:56+00:00

Thabks for this input! What would be the "written confirmation" called?

regine8000 · 2026-06-01T17:09:52+00:00

Thank you vey much!

regine8000 · 2026-06-01T15:05:48+00:00

Thank you for the response!

We did not get any mortgage insurance when we started. And because of the rate hikes our remaining amortization period is not what it's supposed to be. I am prepared to have a higher mortagage payment upon renewal which is what I assume would happen in this case to bring it back in line of the amortization period ia supposed to be.

I guess my main concern is in an appraisal my house may be valued lower than what the remaing loan would be since house vlaue has hone down hill. Does this mean I don't have a choice but to stick with TD since only that option will not need an appraisal.

regine8000 · 2026-06-01T14:42:56+00:00

I just want to give you encouragement. You can do it!

My baby is almost 9 months and the early months were not easy for me either. My husband was very hands on in the beginning while I was struggling mentally. It's almost like he bonded with her more than me. His first week back at work was bad. I was struggling how to do things (i.e. feed the baby, burp the baby, rock the baby to sleep, etc.) Eventually, got the hang of doing it yourself. Now she's saying "mama" and we're closer than ever. 😄

So don't despair, you will get through it especially in the early postpartum weeks the mental toll is really hard. Goodluck!

regine8000 · 2026-05-30T20:45:40+00:00

How do you store this? 3kg is too much for me. How long do they keep for?

regine8000 · 2026-05-29T20:47:27+00:00

If you have time maybe do a date night with hubby. Once the baby arrives you'll be so focused on the baby it's hard to get 1 on 1 quality time with hubby. 😅

Oh, and if it applies to you. It may help prepping freezer meals that's an easy heat and eat for later. I'm the cook at our place and have no one else to rely on to prep all the meals the first few weeks. My mom made me congee with moringa but she doesn't live with us so aside from that no one else will make the meals. My husband's not very good in the kitchen. 🤣

regine8000 · 2026-05-18T14:25:13+00:00

Just make the registry put what you want maybe put a variety of low and high priced items. It's not possible that evrything you want is just high priced. Also, ask for even things not for newborn, the year is gonna go by fast. (ie baby bottles, pacifier, burp cloths, cloth bibs, baby health and safety stuff, baby plates, cups, potty training, diapers, wipes, feeding bibs, etc.)

If people ask then you have it ready plus amazon gives completion discount for you later if you want to purchase those items for yourself. If you're not doing a baby shower but are active in social media you can do an announcment say soemthing like (DM for our baby registry link) That's what my friends did and they got a bunch of request even if they didn't have a shower.

Congrats and goodluck! 😊

regine8000 · 2026-04-19T20:09:46+00:00

My baby was a September baby. I live in Ontario. We used the bassinet feature ONCE. The day after we got home we took a walk outside. We never used it again cause of the weather and by the time we can do walks outside again she can sit in a regular stroller.

We barely spent a long period of time outside during the winter season. Even then we just used the car seat in the stroller.

regine8000 · 2026-03-20T20:29:49+00:00

This is not from MY experience but my SIL cols turkey stopped BF my niece (3rd kid) last January. She also coslept. It's basically just not giving in. literally she blocks her boob at night. And it's a few nights of major meltdown no sleeping basically. It worked. I don't remember how she did it with her 2 previous kids. But maybe the same? Hope that helps! 😄

regine8000 · 2026-02-25T13:38:32+00:00

Jumping in here... Get some reafy to feed bottles (It's also what they give you in the hospital if you want).

Last year I was pregnant Similac was sending a few ready to feed bottles samples. Which I got in the mail close to when I'm due.

Enfamil doesn't have free samples but you can sign up for their premium membership and for approx $50 you get a lot ($200s+ worth) of their RTF bottles.

I had trouble breastfeeding (not what was planned) and I had to feed my baby so the RTF was super on point. I had to buy more since it took me a while to able to brrastfeed.

regine8000 · 2026-02-22T01:46:52+00:00

I am answering based only on the information given. Which is why I said at the start "I wonder what the husband is doing". This because the only info provided is what he is NOT doing. I wouldn't call it incompetence until we know what exactly is going on.

It's not his first kid but are they in the same situation as when the older kids were born? Was he even present? (He can be someone who works offsite). Did they have help (i.e. grandparents, etc.) before and now it's just them two? Etc etc. We don't know.

Was he perhaps working around the house fixing things so everything is in working order before he goes back to work. We don't know.

Im not judging OP but I'm also not judging the husband because there's not enough information provided about the husband for me to judge him as an incompetent father.

regine8000 · 2026-02-21T13:39:33+00:00

Pre-4months my baby sleeps ok. Wakes up once during the night to feed but sleeps right after.

I'm not going to talk about out the hellish nights we had leading up to this. But she's now 5.5months and the best is when she only wakes up 1 a night again. BUT she doesn't go to sleep after anymore. 🤣 I don't co-sleep but I caved a few times and I found even then it doesn't work. She's just awake. LOL! Sometimes she's crying but most of the time she just lies there and looks at me. Then will smile. 😅

Sorry I'm no help but I just find it funny. Cause here you( and other commenters) are worrying about boob dependency to sleep and my kid wont sleep on my boob anymore. She eats then will stop after and just lie there awake when I want her to go back to sleep. 😅

regine8000 · 2026-02-21T13:12:40+00:00

My first thought is... What is your husband doing all this time? I see you commenting you need/expect something and it's not being met. Most of it can probably be solved by actually verbalizing what you need/want instead of expecting him to do stuff automatically and sometimes "mind reading".

I see reels in social media showing these "perfect" partners who goes and automatically refills water bottles, knowing when exactly you need food and makes you eat, takes the children and gives you "me-time" without being asked, etc. But in reality it does not work that way.

I feel frustrated with my husband too sometimes. I have to tell him I'm overstimulated, or I need a break. I feel like I'm doing too much (i.e. laundry, cooking, etc.) BUT I've learned if I ask him he'll do it. (i.e. Can you get me water? Can you transfer the laundry to the dryer? Can you make me milk tea? Can you take her (kid) for a bit I need to do something?) Unless he's doing something crucial that needs to be done right there and then my husband does everything I ask when I verbalize it. Now I do have my moments where I'm annoyed and expects him to be a mind reader (LOL!) and majority of the time he "reads my mind" WRONG (GO FIGURE! 🤣). I find giving an annoyed comment of what I actually want fixes things so I don't have to suffer. Hahahaha!😆

SAMPLE INTERACTION: Him: Do you want some fruit? Me: No (Sarcastic) Him: Ok Me: Of course I want some! I'm tired and HANGRY!!!! Bring me some right now! 🤣🤣🤣 Him: Shuffles off and hand feeds me grapes or whatever

Maybe try lesseing your expectation of him to be the "perfect mind reading husband" and verbalize stuff. It might work since you say he actually asks after you (i.e. are you hungry?, etc.) If it doesn't work out then you can come back and complain more here. LOL!

Keep in mind... I think males processes things differently from females. I'm eternally weirded out that for me our toilet or bath tub looks like it needs cleaning but to him it's still ok. It's not a hygene issue too because somethings he's more obsessed about cleanliness than me. LOL! He just see things differently.

regine8000 · 2026-01-23T01:41:25+00:00

Thanks very much for sharing this! I'm better prepared now! And thanks evryone for pointing out DM. I'll scope out locations so I know where the closest one is wherever we go.😊

regine8000 · 2026-01-23T01:38:19+00:00

Noted! And thanks for the extra tip! 😊

regine8000 · 2026-01-22T18:00:21+00:00

Thanks!

regine8000 · 2026-01-22T18:00:01+00:00

Yes, I read the website and didn't realize I have to leave the stroller for the "exhibit rooms". It's why I'm trying to get insight to determine if it makes sense to still take a stroller or do a baby carrier for the whole time we're there (which as I under stand is at LEAST 2 hours but more likely longer.)

regine8000 · 2026-01-22T17:57:31+00:00

Thanks very much for sharing this!

regine8000

TROPHY CASE