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TimLacroix
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quote:

Originally posted by colinderksen
Is anyone out there right now able to beat HSBC's 2.35% 5 year fixed? Scotia, ATB, and Royal all told me they couldn't come close to touching that.



Thank you for the question. Had to do some research on this rate (and lender). The lender is not accessible through brokers, direct access only.

Currently there is no other lender able to match but the reason is, it sounds available to HSBC clients only. With that said, here is some details I found out about the 2.35% rate for anyone interested or looking...

-- available to HSBC Premier Clients --- high net worth type of program for clients who hold an account with a minimum balance of $100,000 and up.
-- the registration may likely be a collateral charge
-- may be for High Ratio deals (less than 20% down payment)

This is what I have been told but haven't confirmed with HSBC directly.

__________________
Thanks,
Tim
Managing Director || Broker
Canada Mortgage Direct Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or Click here to email me

Click here to View current Mortgage Rates

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colinderksen
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quote:

I am not an HSBC client.
I had a meeting with the HSBC Branch Manager this afternoon. Anyone off of the street can now get this rate. It also includes free banking. https://www.hsbc.ca/1/2/personal/bo...-and-loan-rates
It is offered on a personal rate right now, no need to be an Advanced or Premier client.
Our paperwork is being pushed through as we speak and I did not move a dime over to them.

__________________
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TimLacroix
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quote:

Originally posted by colinderksen
I am not an HSBC client.
I had a meeting with the HSBC Branch Manager this afternoon. Anyone off of the street can now get this rate. It also includes free banking. https://www.hsbc.ca/1/2/personal/bo...-and-loan-rates
It is offered on a personal rate right now, no need to be an Advanced or Premier client.
Our paperwork is being pushed through as we speak and I did not move a dime over to them.



Thank you for the information. I will update the persons who provided me with the above info. Congratulations on your purchase.

__________________
Thanks,
Tim
Managing Director || Broker
Canada Mortgage Direct Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or Click here to email me

Click here to View current Mortgage Rates

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TimLacroix
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quote:

Current Rates to Open Week Jan 16, 2017

Prime Rate - 2.70%

Special Rate Offers

3 Year Fixed - 2.44% High Ratio Only, Owner Occupied, 120 Days Close

5 Year Fixed - 2.64% High Ratio Only, Owner Occupied, 45-60 days Quick Close

5 Year ARM/VRM - 2.10% High Ratio Only, Owner Occupied

Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.44%
5 Year Fixed - 2.69%

3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.25%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.79% - 2.89%

Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.84%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.20%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.30%* Conventional

Rental Rates
5 Year Fixed - 3.04% - 3.19%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice

__________________
Thanks,
Tim
Managing Director || Broker
Canada Mortgage Direct Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or Click here to email me

Click here to View current Mortgage Rates

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TimLacroix
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Location: Calgary
What I drive: Sierra
Posts/Day: 0.01
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User Rating: 100%


quote:

Current Rates to Open Week Jan 30, 2017

Prime Rate - 2.70%

Special Rate Offers

3 Year Fixed - 2.44% High Ratio Only, Owner Occupied, 120 Days Close

5 Year ARM/VRM - 2.10% High Ratio Only, Owner Occupied

Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.59%
5 Year Fixed - 2.64%

3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.25%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.79% - 2.99%

Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.84%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.35%* Conventional

Rental Rates
5 Year Fixed - 3.04% - 3.19%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice

__________________
Thanks,
Tim
Managing Director || Broker
Canada Mortgage Direct Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or Click here to email me

Click here to View current Mortgage Rates

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TimLacroix
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quote:

A few new promotions announced this week.

5 Year Fixed - 2.59% High Ratio Only, Owner Occupied, Must Close March 31st

Extended rate holds for Builds:
5yr fixed 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed 3.14% High Ratio Only, 9-month Hold

__________________
Thanks,
Tim
Managing Director || Broker
Canada Mortgage Direct Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or Click here to email me

Click here to View current Mortgage Rates

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Thaco
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quote:

Thanks Tim for getting me fixed up with a great rate on my renewal, definitely recommend.

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TimLacroix
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quote:

Originally posted by Thaco
Thanks Tim for getting me fixed up with a great rate on my renewal, definitely recommend.



You're welcome... it is our pleasure to assist with your home financing. Have an excellent day!

__________________
Thanks,
Tim
Managing Director || Broker
Canada Mortgage Direct Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or Click here to email me

Click here to View current Mortgage Rates

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TimLacroix
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Location: Calgary
What I drive: Sierra
Posts/Day: 0.01
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User Rating: 100%


quote:

Current Rates to Open Week Feb 27, 2017

Prime Rate - 2.70%

Special Rate Offers

5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 1.90% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

Extended rate holds for Builds:
5yr fixed 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed 3.14% High Ratio Only, 9-month Hold

Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.59%
5 Year Fixed - 2.64%

3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.30%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.79% - 2.99%

Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.79%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.44%* Conventional

Rental Rates
5 Year Fixed - 2.94% - 3.19%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice

__________________
Thanks,
Tim
Managing Director || Broker
Canada Mortgage Direct Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or Click here to email me

Click here to View current Mortgage Rates

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TimLacroix
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Location: Calgary
What I drive: Sierra
Posts/Day: 0.01
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User Rating: 100%


quote:

Current Rates to Open Week Mar 6, 2017

Prime Rate - 2.70%

Special Rate Offers

5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 1.90% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

Extended rate holds for Builds:
5yr fixed 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed 3.14% High Ratio Only, 9-month Hold

Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.59%
5 Year Fixed - 2.64%

3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.30%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.79% - 2.99%

Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.79%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.44%* Conventional

Rental Rates
5 Year Fixed - 2.94% - 3.19%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice

__________________
Thanks,
Tim
Managing Director || Broker
Canada Mortgage Direct Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or Click here to email me

Click here to View current Mortgage Rates

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TimLacroix
Forum Sponsor

Location: Calgary
What I drive: Sierra
Posts/Day: 0.01
Trader Rating: (0)
User Rating: 100%


quote:

Current Rates to Open Week Mar 13, 2017

Prime Rate - 2.70%

Special Rate Offers

5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 1.90% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

Extended rate holds for Builds:
5yr fixed 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed 3.14% High Ratio Only, 9-month Hold

Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.59%
5 Year Fixed - 2.64%

3 Year + ARM - 2.20% * Maturity is May 2020
5 Year ARM/VRM - 2.30%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.79% - 2.99%

Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.79%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.44%* Conventional

Rental Rates
5 Year Fixed - 2.94% - 3.19%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice

__________________
Thanks,
Tim
Managing Director || Broker
Canada Mortgage Direct Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or Click here to email me

Click here to View current Mortgage Rates

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TimLacroix
Forum Sponsor

Location: Calgary
What I drive: Sierra
Posts/Day: 0.01
Trader Rating: (0)
User Rating: 100%


quote:

Current Rates to Open Week Mar 20, 2017

Prime Rate - 2.70%

Special Rate Offers

5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 1.90% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

Extended rate holds for Builds:
5yr fixed 2.64% High Ratio Only, Up to 180-day Hold
5yr fixed 3.14% High Ratio Only, 9-month Hold

Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 2.34%
3 Year Fixed - 2.44%
4 Year Fixed - 2.59%
5 Year Fixed - 2.64%

3 Year + ARM - 2.10% * Maturity is May 2020
5 Year ARM/VRM - 2.05%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.79% - 2.99%

Builder - New Home Mortgage Rates
5 Year Fixed - 6 Month Rate Hold - 2.74%* High Ratio and Conventional
5 Year Fixed - 12 Month Rate Hold - 3.25%* High Ratio
5 Year Fixed - 12 Month Rate Hold - 3.44%* Conventional

Rental Rates
5 Year Fixed - 2.94% - 3.19%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice

__________________
Thanks,
Tim
Managing Director || Broker
Canada Mortgage Direct Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or Click here to email me

Click here to View current Mortgage Rates

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