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    Current Rates to Open Week July 6, 2020...

    Current Rates to Open Week July 6, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 1.99% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

    5...
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    Current Rates to Open Week June 29, 2020...

    Current Rates to Open Week June 29, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 1.99% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

    5...
  3. Replies
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    Current Rates to Open Week June 21, 2020...

    Current Rates to Open Week June 21, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 2.09% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

    5...
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    Current Rates to Open Week June 8, 2020...

    Current Rates to Open Week June 8, 2020

    Prime Rate - 2.45%

    PROMOTIONS

    5 Year Fixed - 2.09% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

    5...
  5. Replies
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    Current Rates to Open Week June 1, 2020...

    Current Rates to Open Week June 1, 2020

    Prime Rate - 2.45%

    PROMOTIONS


    5 Year Fixed - 2.24% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

    5...
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    PM'd

    PM'd
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    Current Rates to Open Week May 18, 2020...

    Current Rates to Open Week May 18, 2020

    Prime Rate - 2.45%

    PROMOTIONS


    5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

    5...
  8. Replies
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    Current Rates to Open Week May 11, 2020...

    Current Rates to Open Week May 11, 2020

    Prime Rate - 2.45%

    PROMOTIONS


    5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

    5...
  9. Replies
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    Current Rates to Open Week April 27, 2020...

    Current Rates to Open Week April 27, 2020

    Prime Rate - 2.45%

    PROMOTIONS


    5 Year Fixed - 2.39% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

    5...
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    121,383

    Current Rates to Open Week April 20, 2020...

    Current Rates to Open Week April 20, 2020

    Prime Rate - 2.45%

    PROMOTIONS

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

    5...
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    Hi, this is a good discount for a refinance. TD...

    Hi, this is a good discount for a refinance. TD Prime is 2.60% now so your effective rate will be 1.90%. This is good and will also protect you from fixed rate penalties if you were to sell in the...
  12. Replies
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    Current Rates to Open Week March 30, 2020...

    Current Rates to Open Week March 30, 2020

    Prime Rate - 2.45% -----> DECREASE by 1.50%

    PROMOTIONS

    5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days...
  13. Variable rate mortgages are different from a week...

    Variable rate mortgages are different from a week ago... Prime dropping by 1.50%. This is great as Prime is 2.45% vs 3.95% 2 weeks ago. However the discounts are pretty much eliminated from Prime -...
  14. Great News for variable rate mortgage holders......

    Great News for variable rate mortgage holders... RBC, TD have dropped 0.50% so the Prime rate is 2.45% (RBC) and 2.60% (TD).

    TD has 2 Prime rates and their Mortgage Prime is 2.60% and the bank...
  15. We did see a dip in the bond yield however, the...

    We did see a dip in the bond yield however, the bond yield has not translated into typical rates. Typically the spread is around 1.50% above bond yield... so as of yesterday, they should be around...
  16. We are in very odd times... it is possible......

    We are in very odd times... it is possible... MCAP is dropping Prime to 2.95% April 1.

    - - - Updated - - -



    What bank are you with... ? If it hasn't changed yet, it is likely happening April...
  17. BREAKING Bank of Canada cuts again - to 0.25% - March 27

    Breaking News

    Bank of Canada cuts another 0.50% off of their policy rate this morning.

    Bank of Canada Cuts Rate to 0.25% - Emergency Move

    The million dollar question this time is, will...
  18. Unfortunately, I do not have the full details as...

    Unfortunately, I do not have the full details as to the impact of the deferral payments.
  19. COVID-19 Mortgage Payment Relief: What’s Available to You

    🔷 BIG update from mortgage lenders industry wide! 🔷

    In light of the financial pressures imposed on Canadian families by Covid-19, many lenders are offering up to 6 months of either skipped or...
  20. Bond market is up a little this week and we are...

    Bond market is up a little this week and we are seeing slight rate increases to the fixed.
    10-year currently 2.99%
    7-year currently 2.89%

    Variable rate discounts are shrinking... the -1.00%...
  21. Not yet but many lenders have made the...

    Not yet but many lenders have made the adjustments to Prime - 2.95%. For most, this will be reflected in the April payments/ statements.
  22. Yes, the next terms to consider is 7-years or...

    Yes, the next terms to consider is 7-years or 10-years.
  23. Prime Decreases to 2.95% - March 17, 2020

    It's now official... RBC leads the way with reducing prime.

    RBC Decreases Prime to 2.95% (tonight March 17)
  24. Yes you are correct... just saw the...

    Yes you are correct... just saw the announcement... which means more announcement to follow.

    RBC Decreases Prime to 2.95% (tonight March 17)
  25. The New Stress Test Gets Pushed Back - DELAYED

    The New Stress Test Gets Pushed Back - ANNOUNCED Friday March 13, 2020

    The easier mortgage stress test that was supposed to start on April 6 will now be delayed indefinitely, says our banking...
  26. We are also trying assess and understand the...

    We are also trying assess and understand the changes but it is most likely a reaction to the uncertainty and volatility of the markets... and lenders are protecting themselves. As more details come...
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    You betcha... on it! :burnout:

    You betcha... on it! :burnout:
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    Rates have started to move... Friday evening...

    Rates have started to move... Friday evening Scotia made a big move!
    - Scotia increase to fixed rates by 0.25%
    - Scotia decrease in variable rate discounts from -0.70% to -0.10%

    - Equitable...
  29. Which lender are you with?? PM me as rates did...

    Which lender are you with?? PM me as rates did increase Friday with a few lenders.

    What we have seen so far is the following:
    - Scotia increase to fixed rates by 0.25%
    - Scotia decrease in...
  30. Agreed... I have my doubts but this is...

    Agreed... I have my doubts but this is unchartered territories!
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    No, the bond markets are trending upwards with...

    No, the bond markets are trending upwards with the recent announcement.

    Up from mid 0.50% to 0.65% now... 5 Year Bond Yield

    And with that said, we just received notice from 1 major lender that...
  32. WOW - Emergency Bank of Canada Announcement - another 0.50% DROP

    WOW - Emergency Bank of Canada Announcement - another 0.50% DROP

    The Bank of Canada on Friday delivered an emergency rate cut, slashing its main rate by half a percentage point to 0.75%. The move...
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    HEADS UP - WARNING If you are looking at...

    HEADS UP - WARNING

    If you are looking at variable rates in the coming months for a purchase or renewal of your mortgage... do so ASAP.

    A few lenders have started to change the discounts...
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    hahahaha... love it :)... and thanks for the plug!

    hahahaha... love it :)... and thanks for the plug!
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    Yes, you will get a better rate if you transfer...

    Yes, you will get a better rate if you transfer to a new lender as your current lender will offer you slightly higher rates. I would hold off doing anything as there is a possibility of more Bank of...
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    Yes there are secret rates (LOL). Actually they...

    Yes there are secret rates (LOL). Actually they are rates that lenders offer that cannot be published. Currently there are no unpublished promotions.
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    Current Rates to Open Week March 9, 2020...

    Current Rates to Open Week March 9, 2020

    Prime Rate - 3.45% DECREASE by 0.50%

    Special Rate Offers

    5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90...
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    Unfortunately, if you convert your variable rate...

    Unfortunately, if you convert your variable rate to fixed with your current lender, it will likely not be as low as the current rates offered by other lenders. If you PM me the lender, your rate,...
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    There are a few reasons to take variable and the...

    There are a few reasons to take variable and the biggest is personal preference. Long term, the fixed will protect you and you don't need to listen to the news... a predictable payment!

    We are...
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    Hi Beyond members, I will be in a conference...

    Hi Beyond members,

    I will be in a conference today but wanted to give a heads up that I will have updated mortgage rates on Monday.

    They have DROPPED however, the dust has not settled yet so I...
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