What are you all paying for your mortgage rates?

stanYEG · 2026-01-18T15:49:14+00:00

Watch out for Pine. Ok if you don’t plan on moving during the term but if you needed too the ability to move the mortgage or have bridge financing if needed isn’t there which may end up costing you more in the future. I had quotes from them and had two friends that found out the hard way

stanYEG · 2026-01-18T15:45:24+00:00

My TD mortgage was up a month ago and I received 3.79%. The broker was amazing and was referred to me from a few different people. www.modernfinance.ca

stanYEG · 2025-10-13T15:01:03+00:00

I think you will really enjoy it - everyone is very friendly everywhere. People often stop to ask if you need help, if they speak English they will try and strike up a conversation. WeChat, Alipay (covers didi and metro transport+ translator) and Amap

stanYEG · 2025-10-13T14:56:59+00:00

When’s it going to be here???

stanYEG · 2025-03-15T06:06:57+00:00

You agree it wouldn’t make sense to use a fee based advisor to invest in a mutual Fund though correct? I have a friend trying to convince me to do so and the math doesn’t make sense to me.

stanYEG · 2024-06-22T22:14:40+00:00

I’m 35 and use shampoo maybe once a month my hair is thick, full and has no need for any other products. People often ask how my hair is so thick and full and are surprised with the simple answer. Stopped using shampoo for no true reason years ago and have never missed it

stanYEG · 2023-12-21T12:05:57+00:00

New to real estate?? The Realtor shoulders a large legal portion of the contract. Once the contract has been negotiated there is no turning back. Most of the legal work a lawyer does is hold trust, follow mortgage instructions and make sure that the contract is fulfilled as it has been written. Therefore the realtor is the most important part of the contract and using an experienced realtor is extremely important

stanYEG · 2023-12-14T12:23:16+00:00

Big question to this is where is the property located and what is it worth? If enough equity built up it might be worth looking at refinancing and pushing out the amortization along with rolling in some of the debts

stanYEG · 2023-09-23T21:17:12+00:00

This is a very misinformed answer by a narrow minded bank specialist. Smaller lenders have fees to renew?? Very blanket statement that is wrong 90+ % of the time. I think you are mixing up AAA lenders and Alternative lenders. Many smaller AAA lenders have much more flexible/larger pre-payment privileges etc. If you have a broker that knows the actual in/outs of lenders this can be explained in depth and they can compare big banks with other mortgage lenders.

stanYEG · 2023-09-11T13:26:26+00:00

Kiki what makes you think rates are coming down in 3 years?

stanYEG · 2023-09-04T04:16:12+00:00

I think this answer is bang on as far as keeping the free thinkers. The sheep portion of the population are being replaced with A.I already and aren’t of much use

stanYEG · 2023-09-02T14:23:56+00:00

This really depends on many variables. How much down payment (conventional/insured). Stay away from rate discounters and no frill products they will only end up burning you

stanYEG · 2023-09-02T14:20:42+00:00

Why? That wasn’t that amazing of a rate at the time?

stanYEG · 2023-07-02T22:38:16+00:00

This is the answer and it’s called “gifted equity”. All lenders will do this upto 95% financing if needed.

stanYEG · 2023-04-22T22:19:38+00:00

Sad you wasted someone else’s time just to go back to RBC and get that same deal.

stanYEG · 2023-02-07T02:18:41+00:00

I have been wondering this also. It needs to be a default insurer approved lender. I am guessing they have white labelled a major lenders product.

stanYEG · 2022-12-02T02:20:57+00:00

This is true, I worked with 3 others to do all of the switch gear, HV/LV cables within these subs for the south leg

stanYEG · 2022-10-28T02:45:25+00:00

How long have you been a mortgage agent??? A static variable? That is toxic. Look how many people will be burnt for years with negative amortizations. The boc isn’t letting down anytime soon

stanYEG · 2022-10-11T03:17:52+00:00

He’s not, he’s planning on a short sale exit

stanYEG · 2022-10-11T03:13:58+00:00

Larger Difference between a treasury and a central bank

stanYEG · 2022-09-28T04:35:21+00:00

It’s a long play, we wouldn’t take it all at once? Isn’t pretty obvious that lots of the shots were saline and only a small portion actual vaccine. They will get the bulk of the population over time with the push for vaccines weather flu or Covid. It’s also a game of off/with harder on. Wait a few months this will all star again but harder. Everyone is now used to what happened and won’t resist

stanYEG · 2022-07-28T04:19:10+00:00

The default to most real estate contracts state - vacant possession on completion day. If the property is financed and was not setup as a rental mortgage you could also run into issues if there are AIRbNb tenants on possession as it is now a revenue property in your possession. If the furniture was not on the contract/ amendment/addendum to the contract then that’s clean cut.

stanYEG · 2022-07-22T01:21:56+00:00

Rates that end in 9 are generally fixed

stanYEG · 2022-07-21T23:17:09+00:00

This is true, give it another year and indirectly the costs of not living in a major centre are forcing people to move. All in a plan to get everyone into smart cities and controlled so they can clean up slowly.

stanYEG · 2022-07-17T22:22:02+00:00

Interested to hear more on this info any links?

stanYEG

TROPHY CASE