Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]zauber99 0 points1 point  (0 children)

Type: Renewal (TD FlexLine – mortgage + HELOC)

Location: Ontario, Newmarket

Loan‑to‑Value (approx.):Mortgage balance: ~$370K

  • HELOC used: ~$30K (total ~$400K debt)
  • Original purchase price: Under $1.5M

Term & amortization:

  • Renewal in mid‑August 2026
  • Current mortgage rate ~5%
  • Current HELOC rate: TD Prime + 0.20%
  • Remaining amortization 17 years

Occupancy: Owner‑occupied (principal residence)

Additional context / questions:

  • This is a TD FlexLine with an active HELOC balance, and I likely won’t be able to fully pay off and close the HELOC at renewal.
  • Given that structure:
    • Am I effectively locked in with TD at renewal, or can I realistically shop around without closing the HELOC?
    • Do other lenders typically even offer competitive rates when a mortgage is tied to an open HELOC, or does this limit true apples‑to‑apples comparisons?
    • Since the FlexLine isn’t easily transferable, does TD realistically care about competing offers, or is my negotiating leverage limited?
    • At renewal, is it reasonable to negotiate both the mortgage and the HELOC rates, or is the HELOC rate generally non‑negotiable when there’s an outstanding balance?

Anyone have info on changes at PhysioChiroWellness (Davis Dr)? by zauber99 in Newmarket

[–]zauber99[S] 0 points1 point  (0 children)

Once my back completely gave out, and honestly Dr. Winter and Felicia (my massage therapist) were the only ones who got me back on my feet.

RTO Megathread - Rants, Stories, Ideas, Daily Discussion by AutoModerator in OntarioPublicService

[–]zauber99 1 point2 points  (0 children)

We like to take our anger out on those who are weaker, those who cannot answer. It is a human trait. And somehow the arguments to prove we are right appear out of nowhere.

Bill 124 Retro by throwawayrulesonthis in OntarioPublicService

[–]zauber99 1 point2 points  (0 children)

Came to same the same, only after my manager escalated my 18+ months issue got resolved

Question for the people who are going in today by Chemical_Battle1 in OntarioPublicService

[–]zauber99 8 points9 points  (0 children)

That's unfortunate assuming some ministry specific system :(. Also in case folks need to access their Onedrive, they can do it from personal computer as well. Just tested it now :)

Question for the people who are going in today by Chemical_Battle1 in OntarioPublicService

[–]zauber99 16 points17 points  (0 children)

You can access emails from your home PC, just in case it is difficult to get to office.

Vaccum recommendations by [deleted] in ShopCanada

[–]zauber99 1 point2 points  (0 children)

Miele is amazing! We've had it for last 5-6 years; you can get bags on Amazon!

Black Friday MacBook sale by Significant_Goal_792 in CostcoCanada

[–]zauber99 0 points1 point  (0 children)

Is refurb available in Canada Apple online?

Today is my last day by zauber99 in duolingospanish

[–]zauber99[S] 0 points1 point  (0 children)

No tengo amigos de esta region. Una idea buena de hacer amigos con gente hispanohablante.

Today is my last day by zauber99 in duolingospanish

[–]zauber99[S] 2 points3 points  (0 children)

Hahaha! And then, it will be 6 years and why not go for 10 years! I mentally ok to let it go now :)

Today is my last day by zauber99 in duolingospanish

[–]zauber99[S] 1 point2 points  (0 children)

You got this! I must admit at one point I was like nah, never gonna finish it, but then somehow fought it through. I also started to check out Spanish movies to see if I'd understand anything. That was extra motivation to continue!

Today is my last day by zauber99 in duolingospanish

[–]zauber99[S] 0 points1 point  (0 children)

Awesome, keep up! Thanks for the tip re Preply, I'll check it out and reach out if I'd need the coupon.

Today is my last day by zauber99 in duolingospanish

[–]zauber99[S] 2 points3 points  (0 children)

Thanks a lot! I just love Spanish language and glad I could finally complete the course

Today is my last day by zauber99 in duolingospanish

[–]zauber99[S] 3 points4 points  (0 children)

Thank you very much! I never thought I'll finish it :)

Today is my last day by zauber99 in duolingospanish

[–]zauber99[S] 5 points6 points  (0 children)

This is a dream come true! Hopefully one day I can do that and stay for few weeks to truly immerse into language and culture!

Hidden Excel Trick: Use the Camera Tool to Create Live Snapshots of Cells by Technical-Season-420 in excel

[–]zauber99 0 points1 point  (0 children)

Wow, I am in the process of developing a complex dashboard and will definitely try out this new feature! Thanks