Any refinance will be treated (at least at this point) the same way, regardless the LTV. What I was talking about was that the other poster (laurentreit088330) had a collateral charge which he was refinancing to move it to TD, which would again get him another collateral charge. So, any cash incentive he was getting for that deal could potentially be a wash, as the new TD mortgage would again need to be refinanced at the end of the term.
Life can be good