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  1. Replies
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    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
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    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...
  3. 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 mortgagesótypically those with more...
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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...
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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...
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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
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    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...
  9. Replies
    490
    Views
    136,569

    Current Rates to Open Week March 29, 2021...

    Current Rates to Open Week March 29, 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. Replies
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    Views
    136,569

    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...
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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...
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    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...
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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......
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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.
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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...
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    *** 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...
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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.
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    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.
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    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...
  24. Replies
    490
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    136,569

    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...
  25. 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...
  26. Replies
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    Current Rates to Open Week Dec 14, 2020...

    Current Rates to Open Week Dec 14, 2020

    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...
  27. Finishing off 2020 at Home and Preparing for 2021

    Less holiday commitments means more time at home. How can you use this extra time to your advantage while still feeling festive?

    My blog covers three aspects of a holiday season at home....
  28. Replies
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    Hi, I don't do them personally but I do have a...

    Hi, I don't do them personally but I do have a commercial colleague that does and would be happy to introduce. Rates vary depending on what you are looking for. Please PM me your details and I would...
  29. Hahaha... corrected... thank you. - - -...

    Hahaha... corrected... thank you.

    - - - Updated - - -



    Hey Ben... I need to come down and get some boots... hopefully we have a Stampede next year. Merry Christmas Ben... hope you and your...
  30. From One Business Owner to Others.

    I am a mortgage broker, and a local business owner who understands more now than ever the importance of choosing who we support.

    The feeling of appreciation I have when my clients put their trust...
  31. Replies
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    Current Rates to Open Week Nov 30, 2020...

    Current Rates to Open Week Nov 30, 2020

    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...
  32. Replies
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    136,569

    Current Rates to Open Week Nov 16, 2020...

    Current Rates to Open Week Nov 16, 2020

    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...
  33. Replies
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    Current Rates to Open Week Nov 16, 2020...

    Current Rates to Open Week Nov 16, 2020

    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...
  34. Think a mortgage isnít for you? This might change your mind.

    If youíre an entrepreneur, independent contractor or self-employed artist, the notion of one day paying a mortgage for your own home may seem far-fetched and maybe even a little scary.

    But it...
  35. Promo Update Nov 11

    5 Year Promo UPDATE ---> Must close between Jan 1 - Jan 15, 2021

    ** Due to high Volumes, New applications will need to close between Jan 1 - 15, 2021... please reach out if you have questions. **...
  36. Hi Ken- thank you for taking my late call......

    Hi Ken- thank you for taking my late call... appreciate your time and my apologies for the mixup and late call. Tim
  37. Markets are up today due to Corona Virus...

    Markets are up today due to Corona Virus Vaccine... 5 Year Bond Yield up too!

    Rates is still available!
  38. Replies
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    Current Rates to Open Week Nov 9, 2020...

    Current Rates to Open Week Nov 9, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 1.49% High Ratio Purchase or Switch Only, Owner Occupied, Close by Jan 15, 2021 (some restrictions)

    5...
  39. Debunk the MYTHS that are keeping you from homeownership!

    Mortgages arenít really as scary as they seem. There are a lot of myths and misconceptions that people have and I donít want you to be one of them!

    Click the link to make mortgages a lot less...
  40. Close by date is Jan 15. I do have a purchase...

    Close by date is Jan 15.
    I do have a purchase option with closing by Feb 28 (fixed only)
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