Decision for HELOC - PCF vs. CIBC
So I've narrowed it down to a couple of choices.
PCF @ p+.5 and $150 in fees.
CIBC @ p-.5 until November 2017 and p+.5 after that. Appraisal fees waived ($320). I'll save on legal fees ($510) due to the promotional rate until Nov based on say a $100k HELOC.
So basically the CIBC route seems the best way if we set it up now. Both wife and I self-employed and it seems that CIBC might be easier to deal with us as they go by stated income and didn't require NOA's.
Any reason why PCF would be a better choice regardless?
Thanks in advance.