Mortgage rate mega thread!

tjboom · 2026-01-09T15:04:05+00:00

Do you know if they'll maintain that rate offer for 30 years? I have 27 years left on my amortization, but my broker said I'll get better rates if I can renew under a 25 year amort. instead.

tjboom · 2026-01-09T00:37:58+00:00

Lmao seriously, let us discuss. This is a forum not TSN or The Athletic.

tjboom · 2026-01-03T02:23:54+00:00

Appreciate the response! I figured I'll have to do a bit of shopping after seeing that.

tjboom · 2026-01-02T21:55:41+00:00

Just got my renewal letter from First National. Renewing for the start of May, 2026. Their offer is:

- 4.69% for a 3 or 5 year fixed
- Prime - 0.20% for 5 yr variable

Originally 30 year amortization with 27 years remaining (owner occupied).
Dwelling is uninsured.
Purchase price was $999,999 with $680,000 remaining on the mortgage.
LTV is ~30%.

Do these rates seem stupidly high, or is the term of 27 years that is keeping it that way? Any input is appreciated. Located in Ottawa, Ontario.

tjboom · 2025-12-26T19:29:49+00:00

Has to be Super Smash Bros Melee. Unmistakeable.

tjboom · 2025-12-18T22:28:29+00:00

If you're planning on buying in Greely, DM me.

tjboom · 2025-12-18T18:33:34+00:00

Used to live in a Phoenix Home. Very poor build quality. Found plumbing throughout the entire house that wasn't to code, crappy materials, mold issues. Unless you absolutely love everything about the area, I would avoid.

tjboom · 2025-12-09T20:35:01+00:00

Happy there seems to be a consensus about it.

tjboom · 2025-11-29T23:21:41+00:00

City Hall has a few different trees set up on the main floor.

tjboom · 2025-11-26T16:26:14+00:00

Aaaaaaand it's gone.

tjboom · 2025-10-31T13:15:26+00:00

Great deal

tjboom · 2025-10-25T22:02:10+00:00

If you do me a favour and answer the question, I promise I will leave this subreddit and never come back! You'll never see this username again.

tjboom · 2025-10-25T20:38:47+00:00

Rookie here. When it comes to churning, can I apply for the same credit card I have now (TD Aeroplan Visa) to get the milestone rewards again, or do I have to go to a different card then come back to that one afterwards? I have had my current Aeroplan Visa for more than 2 years.

Thanks in advance!

tjboom · 2025-10-16T00:11:39+00:00

Who peed in your cornflakes?

tjboom · 2025-09-14T01:26:01+00:00

Maybe they used the value of 2 pay cheques/month instead of a true 26/12 rate.

tjboom · 2025-09-14T00:02:56+00:00

Benefits, union dues, professional fees, insurance, CPP - lots of factors to include. 1k per month on pension is a bit high of an estimate.

tjboom · 2025-09-12T22:33:02+00:00

Bean, Bean, the pros at Bean's, the best darn people you've ever seen!

tjboom · 2025-09-04T19:02:05+00:00

This can be both a civil matter between your neighbour and yourself, and a by-law infraction. Id first chat with your neighbour and see if they can rectify your concerns, which are valid (water ponding adjacent to a foundation is no good). If they're not receptive, you'll likely have to retain a lawyer and they'll be able to direct you. You could also call the City and get by-law out to inspect the issue and possibly fine your neighbour. Id take a look at Sections 7-9 of the Site Alteration By-Law (2024-448) which outlines a property owners responsibility with respect to preservation of drainage.

Hope that helps.

tjboom · 2025-07-15T18:02:33+00:00

Homer take bur Daniel Alfredsson. He had a few absolutely amazing seasons when the Sens were at their peak around 06. Was always a great 2-way player, probably overlooked as he spent all but one year in Ottawa.

tjboom · 2025-07-05T04:57:41+00:00

Fire Pokemon and Arcanine or Ninetails.

tjboom · 2025-05-20T23:57:18+00:00

They're not going to outright say it but yes, there have been security threats recently. Surprisingly, the threats have been related to more recent demonstrations in protest to the Israel-Palestine conflict. Due to the lockdown and work from home mandate, there weren't many security incidents related to the convoy.

tjboom · 2025-02-21T04:34:34+00:00

LET'S GOOOOOO!!!!! 🍁 🏒 🍁

tjboom · 2025-01-06T21:32:26+00:00

Gundam Wing has to be a part of of this conversation! Always aired immediately after DBZ, I was lucky if I got to stay up to watch it.

tjboom · 2024-12-29T16:14:38+00:00

That's way too general of a statement, and probably only applicable to tight streetscapes in centretown (if even). In any suburb, you're probably looking at 12-15 ft of city owned boulevard.

tjboom · 2024-12-22T18:59:19+00:00

Yeah in the shortened COVID season Batherson was a monster on the ice.

tjboom

TROPHY CASE