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3 yr Variable vs 1 yr fixed
Howdy folks. Have a mortgage renewal coming up and need to choose between 1yr fixed term (rate is 5.7%) vs 3 yr variable term for a rental property (prime + 1.2%). Was thinking about 1 yr fixed with the idea that by this next year rates would be better... .not ...
- Intel1
- Jun 2nd, 2022 7:10 pm
- Forum: Real Estate
- Real Estate
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Jun 2nd, 2022 7:10 pm
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[Amazon.ca] Portable Racing Wheel & Pedals/Yoke & Rudders Stand with Chair Cradle - $162.99
... Stand With Pulley Chair Fixing Device (Shipped by Minneer) https://www.amazon.ca/gp/product/B07K2PMPZ3 $169.99 - Anman Sim Racing Wheel Stand with Fixed Gaming Chair (Shipped by Anman) https://www.amazon.ca/Anman-Logitech-Thrustmaster-Simulator-Tilt-Adjustable/dp/B09LQKQ5PY/ref=sr_1_2?m=A1PMXQM97UC5O2 ...
- Elrondolio
- May 20th, 2022 11:36 am
- Forum: Hot Deals
- Hot Deals
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May 20th, 2022 11:36 am
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Seller took out all fixed shelves after walkthrough
Just closed on our home. Seller took out all fixed shelves after walkthrough. No other issues. Should I talk to my realtor or lawyer about it or just leave it? First time homebuyer. Thanks!
- FarahS95576
- May 2nd, 2022 5:40 pm
- Forum: Real Estate
- Real Estate
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May 2nd, 2022 5:40 pm
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Mortgage rate: Variable or Fixed rate?
Question: I have been with variable rate since early 2021. Should I switch to fixed rate now? Just want to hear what other ppl's thinking...or suggestion
- kiasu
- Apr 25th, 2022 12:09 pm
- Forum: Personal Finance
- Personal Finance
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Apr 25th, 2022 12:09 pm
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Mortgage Options - Looking for opinions - Variable (2.05% with cash back) vs Fixed (2.84%)
... of may principal balance will be 1.728M in GTA, 5 year term 1) Variable, P - 1.3% - currently 2.05%, $13,000 in cash back (broker + bank offer) 2) Fixed, 2.84%, no cash back We have proceeds from sale so can make lump sum or increase payments if things get crazy, but im hearing different opinions ...
- atoronto22rfd
- Apr 18th, 2022 1:26 pm
- Forum: Personal Finance
- Personal Finance
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Apr 18th, 2022 1:26 pm
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Fixed Payment Variable Mortgage
Hi,What lenders are offering fixed-payment variable mortgages (static variable) in Ontario?Thanks,
- Bee007
- Apr 16th, 2022 4:32 am
- Forum: Real Estate
- Real Estate
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Apr 16th, 2022 4:32 am
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[Shopper+] (BACK IN STOCK) Adjustable Mesh Office Chair with Fixed Arms, High Back, Fabric Seat, Black - Moustache $89.99
... Fixed-Arms-High-Back-Fabric-Seat-Black-Moustache-.jpg Adjustable Mesh Office Chair with Fixed Arms, High Back, Fabric Seat, Black - Moustache® Reviews ...
- eshum
- Apr 13th, 2022 7:05 pm
- Forum: Expired Hot Deals
- Expired Hot Deals
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Apr 13th, 2022 7:05 pm
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Is now the time to invest in fixed income?
I'm in big in ZAG and just added ZLC🥶Getting my monthly payments atleast. I'll break even eventually right? Lol The thought of getting monthly payments and not really caring what the market does is appealing for me.
- kilburn305
- Apr 12th, 2022 12:48 pm
- Forum: Investing
- Investing
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Apr 12th, 2022 12:48 pm
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1.5 variable vs. 2.7 fixed - what would you pick?
Hello, I am trying to decide between a 1.5% variable (as of today) and 2.7% fixed rate. Both are for 5 year closed terms on a new mortgage that is 1M+. I understand that the variable will likely be 2% by the next rate hike. However, there is a chance I might need ...
- mtdbf2010
- Apr 8th, 2022 4:35 pm
- Forum: Real Estate
- Real Estate
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Apr 8th, 2022 4:35 pm
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Looking for advice: Disposal Bin Rental Fixed vs per ton
... came up to close to 200 cdn, drywall and wood, , so I am looking at renting for one week a bin , I am gauging at the cost if renting if to go with Fixed vs per ton , so with fixed you pay one rate and not worry about extra costs up to 2 tons if over 2 tons extra charge, however those bins are 4 ...
- wojpa
- Apr 5th, 2022 12:47 am
- Forum: Home & Garden
- Home & Garden
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Apr 5th, 2022 12:47 am
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Is having part variable and part fixed on your mortgage a smart route
Im being given the advice thst its wise to do something like 65% of a mortgage, and then the rest, fixed. He said because if one wants to break, the penalty will not be that high as well as one can make extra payments.
- Dejavudiva
- Mar 31st, 2022 9:49 am
- Forum: Real Estate
- Real Estate
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Mar 31st, 2022 9:49 am
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Fixed incomes investments as interest rates set to rise
Hey all, So one of my mothers investments is an actively managed primarily fixed income portfolio I believe it is basically 80% low risk bonds etc and 20% safe stocks and other higher yield earning tools. It has done quite well over the last decade - managed ...
- silky28
- Jan 27th, 2022 9:26 am
- Forum: Investing
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Mortgage: Variable or Fixed rates?
Currently on variable, wondering if I should change it to fixed. Any suggestion?One of my friend always on variable and never fixed
- kiasu
- Jan 23rd, 2022 9:14 am
- Forum: Real Estate
- Real Estate
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Jan 23rd, 2022 9:14 am
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Which way would you go variable or fixed my banks pushing me..
... think if i took variable that it would take a few years to get that high with how low the rates are. Is variable still a better option than a fixed? And should I wait the final year out and see what could happen. I find it funny my banks pushing me to lock in this high rate when its 2.14 everywhere ...
- Dejavudiva
- Jan 22nd, 2022 6:50 am
- Forum: Real Estate
- Real Estate
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Jan 22nd, 2022 6:50 am
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Variable rate with fixed payment
How bad is variable rate mortgage where your monthly payment stays the same and more or less goes toward interest payment based on increase or decrease in interest rate? I knew about this before but never had it before. This would be for a rental property.
- rfd911
- Jan 7th, 2022 10:10 am
- Forum: Real Estate
- Real Estate
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Jan 7th, 2022 10:10 am
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Fixed Price Financial Advisor?
... gains/loss. Is there an online service that exists for this? I am from Quebec, is it common to find local financial advisors that would work for a fixed price? Would a bank do it? Thank you!
- max9505672
- Jan 6th, 2022 10:45 am
- Forum: Personal Finance
- Personal Finance
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Jan 6th, 2022 10:45 am
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Taking out Equity in fixed rate?
... sitting there and I would like use it eventually as down payment to move into bigger house. Should I take out the equity in my current house in a fixed rate heloc or refinance, and invest it in while i wait to see if the summer housing market will bring the house the family desires (there is no ...
- amadeo
- Jan 4th, 2022 12:27 pm
- Forum: Real Estate
- Real Estate
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Jan 4th, 2022 12:27 pm
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Any penalty if paying off before end of fixed term?
Hello! Not sure if asked already but is there any penalty if one is able to pay off before 5 year fixed term? (Regular 5 year fixed with one of big banks) while just leveraging 20/20 options to help expedite payment? Since they allow you up to 20% of original principle amount ...
- azybcxrfd
- Jan 1st, 2022 11:23 am
- Forum: Real Estate
- Real Estate
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Jan 1st, 2022 11:23 am
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small chip in my windshield - should I get it fixed out of pocket without bothering with insurance?
... many many times, but first time after hundreds of thousands of kilometers of driving that something actually causes damage. I will get it fixed as soon as possible. What I wonder is if I should even bother to contact my insurance of if I should just pay out of pocket. My father in law ...
- LuxErus
- Nov 27th, 2021 4:44 pm
- Forum: Automotive
- Automotive
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Nov 27th, 2021 4:44 pm
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Fixed vs variable, need some opinions
Hi, everyone. I would like everyone’s input. What’s people thought? Fixed vs variable? I’m deciding between 1.89% fixed 4 years and 1.33% variable 5 years. This was rate hold back from September, the fixed rate is about 2.59% 5 years now. The fixed rate went ...
- lcl2004
- Nov 18th, 2021 11:19 am
- Forum: Real Estate
- Real Estate
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Nov 18th, 2021 11:19 am