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Type: Posts; User: TimLacroix

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  1. Replies
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    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...
  2. 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...
  3. 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...
  4. 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.
  5. Replies
    498
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    140,496

    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...
  6. Replies
    498
    Views
    140,496

    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...
  7. 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).
  8. 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...
  9. Replies
    498
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    140,496

    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...
  10. Bump - 1.74% still available.

    Bump - 1.74% still available.
  11. Replies
    498
    Views
    140,496

    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...
  12. Replies
    498
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    140,496

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

    Thank you for the kind words... always a pleasure!
  13. 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...
  14. 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...
  15. Replies
    498
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    140,496

    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...
  16. Replies
    498
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    140,496

    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
  17. Replies
    498
    Views
    140,496

    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...
  18. 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...
  19. Replies
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    Correct... Zero risk to the lender since it is...

    Correct... Zero risk to the lender since it is default insured by one of the insurers.

    With conventional, the government imposed capital requirements for lenders which has increased their...
  20. Replies
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    Great question... if you purchase with less than...

    Great question... if you purchase with less than 20% down payment and have the mortgage insured with CMHC, Sagen (prev Genworth) or Canada Guaranty... you still are eligible for High Ratio rates when...
  21. Replies
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    High Ratio - Purchase with less than 20% down...

    High Ratio - Purchase with less than 20% down payment.

    Conventional - Purchase with more than 20% down payment.
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    Happy Easter Monday everyone... FYI - more...

    Happy Easter Monday everyone...

    FYI - more pressure for fixed rates to rise.

    5 Year Bond Yield
  23. Replies
    498
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    140,496

    Current Rates to Open Week April 5, 2021...

    Current Rates to Open Week April 5, 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. Replies
    498
    Views
    140,496

    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...
  25. Replies
    498
    Views
    140,496

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

    Current Rates to Open Week March 15, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 3 Year Fixed - 1.54% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 60-120 Days to...
  26. Replies
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    TGIF -- 5 Year Bond Yield...

    TGIF -- 5 Year Bond Yield is up again today. Rates have risen twice in past 2-3 weeks. Approx 0.50% with 5 year fixed.

    Variable continues to be attractive again with rates rising and with...
  27. Replies
    498
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    140,496

    Current Rates to Open Week March 1, 2021...

    Current Rates to Open Week March 1, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 5 Year Fixed - 1.74% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to...
  28. Replies
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    You could add it if you have equity. There is a...

    You could add it if you have equity. There is a refinance option up to 80% but it depends on your equity. Feel free to call if you would like more info... 403-479-0066
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    If you are switching lenders, they typically...

    If you are switching lenders, they typically allow you to cap up to $3,000 of penalties and fees... anything over that is paid out of pocket. If there is equity, you can refinance and include...
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    My apologies, missed your question. I've linked...

    My apologies, missed your question. I've linked the updated rates https://forums.beyond.ca/threads/378832-Tim-s-Mortgage-News-Rates-and-FAQ-s

    - - - Updated - - -

    Pressure on rates continue......
  31. Replies
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    Normally I will say ride it out... make a payment...

    Normally I will say ride it out... make a payment adjustment to what the fixed rate payment would be... principal paydown and interest savings while you can. Should come out ahead.
  32. Replies
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    It depends on your current mortgage details. If...

    It depends on your current mortgage details. If you wish for me to review and run numbers, you could email me at [email protected]
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    It depends on a few things... usually when you...

    It depends on a few things... usually when you get these announcements it is likely too late.

    NOTE: When you convert to a fixed rate with an existing lender, you are likely not getting best/...
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    ** Fixed Mortgage Rates on RISE

    *** More pressure today (April 5) for rates to climb... we have seen increases in fixed rates of 0.10% - 0.20%. There are still some lenders that have not moved, please reach out if you have any...
  35. Replies
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    140,496

    *** More pressure today for rates to climb... we...

    *** More pressure today for rates to climb... we have seen increases in fixed rates of 0.10% - 0.20%. There are still some lenders that have not moved, please reach out if you have any financing...
  36. Replies
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    Yes that is correct... fixed is around 1.64-1.69%...

    Yes that is correct... fixed is around 1.64-1.69% full privileges of 20-20%
    Variable is 1.45%-1.50% same options.
  37. Replies
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    140,496

    Rates are on the rise... approx. 0.10% to 0.15%...

    Rates are on the rise... approx. 0.10% to 0.15% with some lenders.
  38. Replies
    498
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    140,496

    Current Rates to Open Week Feb 22, 2021...

    Current Rates to Open Week Feb 22, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 5 Year Fixed - 1.39% High Ratio Purchase, Switch Only OR under <65% LTV, Owner Occupied, 90-120 Days to...
  39. Replies
    498
    Views
    140,496

    Current Rates to Open Week Jan 18, 2021...

    Current Rates to Open Week Jan 18, 2021

    Prime Rate - 2.45%

    PROMOTIONS

    Promo 1 --> 5 Year Fixed - 1.49% High Ratio PURCHASE ONLY, Owner Occupied, Close between Jan 2 to Feb 28, 2021

    Promo...
  40. The Holidays and Your Community in 2020.

    No amount of planning could have prepared us for the changes 2020 made to how we live, how we socialize and how we shop.

    As we close out this year with more knowledge of what our future will look...
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