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Type: Posts; User: TimLacroix

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  1. Replies
    519
    Views
    166,656

    Current Rates to Open Week Sept 19, 2022...

    Current Rates to Open Week Sept 19, 2022

    Prime Rate - 5.45%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 4.35%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  2. Replies
    519
    Views
    166,656

    Current Rates to Open Week Aug 8, 2022...

    Current Rates to Open Week Aug 8, 2022

    Prime Rate - 4.70%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 3.60%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  3. Replies
    519
    Views
    166,656

    Current Rates to Open Week July 25, 2022...

    Current Rates to Open Week July 25, 2022

    Prime Rate - 4.70%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 3.60%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  4. Replies
    519
    Views
    166,656

    Current Rates to Open Week July 11, 2022...

    Current Rates to Open Week July 11, 2022

    Prime Rate - 3.70%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 2.60%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  5. Replies
    519
    Views
    166,656

    Current Rates to Open Week May 16, 2022...

    Current Rates to Open Week May 16, 2022

    Prime Rate - 3.20% **** Changed from 2.70% on April 13, 2022

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 2.10%% High Ratio Purchase, Switch Only, Owner...
  6. Replies
    519
    Views
    166,656

    Current Rates to Open Week April 25, 2022...

    Current Rates to Open Week April 25, 2022

    Prime Rate - 3.20% **** Changed from 270% on April 13, 2022

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 2.05%% High Ratio Purchase, Switch Only, Owner...
  7. Replies
    519
    Views
    166,656

    Current Rates to Open Week April 4, 2022...

    Current Rates to Open Week April 4, 2022

    Prime Rate - 2.70%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 1.40%% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  8. Replies
    519
    Views
    166,656

    Current Rates to Open Week FEBRUARY 28, 2022...

    Current Rates to Open Week FEBRUARY 28, 2022

    Prime Rate - 2.45%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  9. Replies
    519
    Views
    166,656

    Current Rates to Open Week FEBRUARY 7, 2022...

    Current Rates to Open Week FEBRUARY 7, 2022

    Prime Rate - 2.45%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  10. Replies
    519
    Views
    166,656

    Current Rates to Open Week JANUARY 31, 2022...

    Current Rates to Open Week JANUARY 31, 2022

    Prime Rate - 2.45%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  11. Replies
    137
    Views
    4,812

    Fixed vs Variable is always a great...

    Fixed vs Variable is always a great conversation...

    The decision is typically a personal preference! What works for the Jones may not work for you. In a nutshell there are pros and cons with both...
  12. Replies
    519
    Views
    166,656

    Current Rates to Open Week JANUARY 24, 2022...

    Current Rates to Open Week JANUARY 24, 2022

    Prime Rate - 2.45%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  13. Replies
    519
    Views
    166,656

    Current Rates to Open Week DEC 6, 2021...

    Current Rates to Open Week DEC 6, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  14. Replies
    519
    Views
    166,656

    Current Rates to Open Week Nov 15, 2021...

    Current Rates to Open Week Nov 15, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  15. Replies
    519
    Views
    166,656

    Current Rates to Open Week Nov 8, 2021...

    Current Rates to Open Week Nov 8, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  16. Replies
    30
    Views
    3,066

    *** UPDATE Oct 28 --- More fixed rate increases...

    *** UPDATE Oct 28 --- More fixed rate increases coming ASAP! Rates have slightly increased in past 3-weeks... and we will see more rate increases this week or next week as bond market has being...
  17. Replies
    519
    Views
    166,656

    Current Rates to Open Week Oct 25, 2021...

    Current Rates to Open Week Oct 25, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    PROMO 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  18. Replies
    30
    Views
    3,066

    *** More fixed rate increases coming ASAP! Rates...

    *** More fixed rate increases coming ASAP! Rates have slightly increased in past 2-weeks... and we will see more rate increases this week or next week as bond market has being increasing since last...
  19. Replies
    519
    Views
    166,656

    Current Rates to Open Week Oct 4, 2021...

    Current Rates to Open Week Oct 4, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year ARM/VRM - 0.99% High Ratio Purchase, Switch Only, Owner Occupied, 90 Days to Close (some...
  20. Replies
    519
    Views
    166,656

    Current Rates to Open Week Sept 27, 2021...

    Current Rates to Open Week Sept 27, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...
  21. Replies
    519
    Views
    166,656

    Current Rates to Open Week Oct 4, 2021...

    Current Rates to Open Week Oct 4, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 5 Year Fixed - 1.74% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60 Days to Close...
  22. Replies
    519
    Views
    166,656

    Current Rates to Open Week Aug 2, 2021...

    Current Rates to Open Week Aug 2, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...
  23. Replies
    519
    Views
    166,656

    Current Rates to Open Week July 7, 2021...

    Current Rates to Open Week July 7, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...
  24. First Responder Mortgage Program!!!

    The Dominion Lending Centres® launched a fantastic First Responder Mortgage Program™ at the beginning of the month!

    First Responders have been there from the start of the pandemic.
    As a thank...
  25. No, lenders do not pay for break/ penalty fees....

    No, lenders do not pay for break/ penalty fees. The way some lenders can absorb the fees is to increase interest rate to ensure they are paid back for covering the fees. Some lenders offer cashback...
  26. Bump... bond market is up over past couple of...

    Bump... bond market is up over past couple of days which will put pressure on this promotion. Call / PM for details or if it applies to you.
  27. Replies
    519
    Views
    166,656

    Current Rates to Open Week June 21, 2021...

    Current Rates to Open Week June 21, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...
  28. Replies
    519
    Views
    166,656

    Current Rates to Open Week May 31, 2021...

    Current Rates to Open Week May 31, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...
  29. Bump - 1.74% is still available on High Ratio...

    Bump - 1.74% is still available on High Ratio mortgages for Purchase and Switches (less than 20% down payment).
  30. BREAKING: Insured and Uninsured Mortgage - Stress Test Changing

    This afternoon, at approximately 1pm, the Office of the Superintendent of Financial Institutions announced the result of its consultation regarding the uninsured mortgage stress test found in B20. As...
  31. Replies
    519
    Views
    166,656

    Current Rates to Open Week May 17, 2021...

    Current Rates to Open Week May 17, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...
  32. Bump - 1.74% still available.

    Bump - 1.74% still available.
  33. Replies
    519
    Views
    166,656

    Current Rates to Open Week May 3, 2021...

    Current Rates to Open Week May 3, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...
  34. Replies
    519
    Views
    166,656

    Thank you for the kind words... always a pleasure!

    Thank you for the kind words... always a pleasure!
  35. The 60 days starts from submission so assuming...

    The 60 days starts from submission so assuming this rate sticks around, you may still get it depending on your purchase timing... plans? Feel free to call and we can chat... or PM and I will call...
  36. Time Running Out - 1.74% Fixed Mortgage Rate

    Hi everyone -

    I am surprised this rate is still available considering where ALL other lenders are for the past 3-4 weeks. This 1.74% 5-year fixed rate is not going to last.

    If you are...
  37. Replies
    519
    Views
    166,656

    Current Rates to Open Week April 26, 2021...

    Current Rates to Open Week April 26, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...
  38. Replies
    519
    Views
    166,656

    If you have a few minutes... please call/ text me...

    If you have a few minutes... please call/ text me at 403-479-0066 and I can assist. Cheers Tim
  39. Replies
    519
    Views
    166,656

    Current Rates to Open Week April 12, 2021...

    Current Rates to Open Week April 12, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year Fixed - 1.59% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...
  40. Proposed - More Stringent Mortgage Stress Test After June 1

    The Office of the Superintendent of Financial Institutions (OSFI) unveiled its proposed changes on Thursday, which would require borrowers applying for uninsured mortgages—typically those with more...
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