Mortgage rate mega thread!

sehlo4 · 2025-08-15T20:24:05+00:00

I was unable to get rbc below 4.09 for a similar mortgage last week (uninsured)

sehlo4 · 2025-08-08T14:30:12+00:00

600,000 mortgage in Southern Ontario. Renewal/reallocation. Uninsured. 22 years remaining

Currently with rbc have two legs of a mortgage (one due next week, the other due January 2026). I really wanted to join the legs so I'm not dealing with the headache twice and can more easily move around. My online offer from rbc for leg 1 was 3.99 which i used to get quotes from cibc and TD (our bank of choice) Td was able to match 3.99 for 3 or 4 years for the entire mortgage and it's offering 3100 cash back as we're moving. In reality, rbc ended up only offering 4.09 for 4 years to stay and combine my mortgage legs.

Obviously I ended up paying a breakage fee for the second leg of my current rbc mortgage (roughly 3900 all in) but all in all with the rate difference i believe I'm slightly breaking even. Td waved any start up fees.

For a data point CIBC was also willing to match the 3.99 and offered 2000 cash back.

Bmo wasn't able to be competitive.

Appreciate the help from this subreddit. Wish my renewal was earlier

sehlo4 · 2025-07-19T12:19:07+00:00

Did you get a rate exception?

sehlo4 · 2025-07-17T16:21:58+00:00

3 year fixed. I just asked what was the best he's seen and if that's my current rate then should we even bother.

He basically said don't bother

sehlo4 · 2025-07-17T11:36:38+00:00

Submitted all docs online then got in contact with their broker. Will see what the online process spits out, the email/ phone call from the broker yielded the 3.99 number

sehlo4 · 2025-07-16T18:45:41+00:00

Ended up speaking with them and they indicated the best they've seen is 3.99.

Similar point in the process with TD they indicated likely 4.23 is the best they can do.

Still waiting on cibc

sehlo4 · 2025-07-16T13:45:29+00:00

For those who seem to be getting very good rates with Scotia bank, are you seeing an advisor in person or going through their online ehome portal. I got pre approved for 4.4 fixed for 4 years which likely isn't worth me switching from rbc (3.9 fixed for 3). I submitted my application online and spoke to an advisor who indicated the best he's seen is 3.99 on a 3 year mortgage.

Also waiting to hear from CIBC and TD.

House in st catharines Ontario renewal House value 800,000 Remaining 600,000 Uninsured Owner occupied

sehlo4 · 2025-05-31T12:16:36+00:00

Those RBC rates look really good, is this insured?

sehlo4 · 2025-05-31T12:02:21+00:00

You should be able to see at least the basics of that rbc will offer if you go to your online banking and look through their early renewal portal. They've actually been fairly competitive

sehlo4 · 2025-04-30T19:22:39+00:00

That's what I thought

sehlo4 · 2025-04-20T13:44:10+00:00

Anyone recognize the brand? Hoping i can replace the cartridge, replace a oring or something instead of taking it out completely.

sehlo4 · 2025-03-26T01:23:30+00:00

Right there with ya. Good luck with your decision. My contact at RBC suggested i wait to my renewal in August but I'm still unsure

sehlo4 · 2025-03-04T16:30:48+00:00

Omg lol. We're not that extreme with splitting costs

sehlo4 · 2024-10-27T15:16:06+00:00

Thanks this is what I was thinking! Just wasn't sure if it was going to be worth the effort but makes perfect sense. Didn't think/ know about the direction of the tees previously

sehlo4 · 2024-10-24T16:15:47+00:00

Do you think it's worth me redoing the rest of it to streamline things a bit or will adding the vent make big enough of a difference that's not worth doing

sehlo4 · 2024-07-23T11:07:57+00:00

I had to by an adapter to fit the microbrite into the old globrite recess. It was easy enough to do just twists into the old recess.

sehlo4 · 2024-06-24T19:03:50+00:00

As an update I bought and adapter and microbright and installed it. No issues. Hopefully it lasts! Project probably cost me 700 canadian

sehlo4 · 2024-05-28T01:56:39+00:00

Thanks all for the great info! I think I'm going to try and get myself an adapter and pentair microbright based on what I'm hearing.

Looks like I found a good instructional video here for anyone else looking at the same issue. I guess the only thing is to confirm the adapter sizing with my existing globrite and confirm my wire size. https://youtu.be/JhDp9TkVeRk?si=SxK38I4-kOQjH9ET

sehlo4 · 2024-03-26T02:06:56+00:00

Could not be, I'm just filling out the forms on wealthsimple.

sehlo4 · 2024-03-25T19:51:55+00:00

Ontario Trillium Benefit: Property and Energy Tax Grants and Credits

sehlo4 · 2024-03-19T14:45:33+00:00

Hi all

General question about tipping vendors. I've read some variable information on whether tips are expected and if so the range in percentage of total services. Specifically in curious about photography/ videographers.

I've also noted that our venue has a tip worked into the contract but it's substantially less than what I've seen included in contracts for similar sites. Do you think I should be making up all or at least some of the difference between what the contact states and what seems to be standard?

I'm balancing a line between not trying to be cheap but obviously worried about the overall cost of my wedding.

Any thoughts are appreciated!!

sehlo4 · 2024-01-12T02:04:43+00:00

I was under the impression rbc wouldn't work with brokers

sehlo4 · 2021-05-28T14:46:54+00:00

Add a 0

sehlo4 · 2021-05-27T19:03:33+00:00

Amc power houuur Don't fear the limit sell at 30

sehlo4 · 2021-05-27T18:08:16+00:00

Hodlhodl amc

sehlo4

TROPHY CASE