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  • leaving name on mortgage after separation

    My partner and I are separating and he wants to keep our house. We went 50/50, but he cannot afford the mortgage on his own. If I leave my name on the mortgage so that he can continue owning the house for the 1.5yrs when it's up for renewal, would there be any way to mitigate ...

    • montorlon
    • Oct 15th, 2019 7:15 pm
    • Forum: Real Estate

  • pay off mortgage faster

    friend of mind asked , how did you pay your mortgage off so fast - as we know the richest out there is the Banks and Amazon... so used to order online from Amazon..so i completely stopped ordering online, and from what i did, stopped ordering online, ...

  • Mortgage for renting a residential property

    I'm in the middle of my mortgage term and happens that I have to be out of country 5-6 months per year for the next few years. Been thinking of renting my place for the months I am away. Not sure if I need to inform the lender since this ...

    • CB2589
    • Oct 11th, 2019 10:01 pm
    • Forum: Real Estate

  • Mortgage with US job

    I work remotely for a US company. I get paid in USD in a US bank account. What are my options of getting a mortgage with 20% down? I moved to Canada earlier this year and haven't filed taxes yet. I can produce US payslips, job letters etc.

    • rk248rfd
    • Oct 8th, 2019 11:40 am
    • Forum: Real Estate

  • TD best rate for mortgage

    Going to renew my mortgage with TD for either 2 or 5 years fixed. I will be calling them today to renew, what rate should I expect to get? fyi my remaining mortgage is 225k. My current rate is 2.9%.

    • lehmanr
    • Oct 8th, 2019 8:50 am
    • Forum: Real Estate

  • Use HELOC to pay off mortgage sooner?

    ... if the following strategy makes sense and if there's online calculator that can help me make better decisions: - I have about $200k left on my mortgage. - I have about $400k in HELOC (probably more) - My mortgage rate 2.95%. - I can get a HELOC at 3.75% - I can lump sum about $40k each year ...

    • jchiu1106
    • Oct 5th, 2019 2:56 pm
    • Forum: Personal Finance

  • Should the financing clause specify mortgage terms?

    ... I don't want to be forced to seek out and accept a private lender's 10% interest rate offer. So the lawyer recommends to include specific mortgage terms such as loan amount, amortization period, mortgage term, and interest rate. On the other hand, my realtor is adamant that this condition ...

  • Mortgage Instruction with pending Docs

    Hi there, Early September, I received a conditional approval for my mortgage for which I signed and returned the commitment letter to Bank A A week after i received a call from the advisor of Bank A requesting some additional documents which I did not even ...

  • Taking over joint mortgage

    hi, so i am currently in a joint mortgage (50/50) and would like to become the sole owner of the property. I would also like to get some additional money to pay off the other owner ($10,000), get new roof for the house ($10,000), do some ...

    • amusa85
    • Oct 1st, 2019 8:44 pm
    • Forum: Real Estate

  • Paying mortgage at the end

    ... that once my term is up, I have the option to pay the entire balance at the end? Also, how exactly will this work? Is there a period before my mortgage term is up I can make the payments? I have multiple sources so it will take maybe a few weeks. Or do I have to have a certified cheque/money ...

  • Questions about HELOC post mortgage

    CIBC Home Power Plan Recently made the final payment on the mortgage and it's now paid in full. There is a balance on the HELOC. The limit on the HELOC went up monthly the same amount the mortgage went down. I will have to wait for the next statement to ...

    • ROYinTO
    • Sep 27th, 2019 7:55 pm
    • Forum: Real Estate

  • Maximum mortgage amount

    ... 1.1 - 1.2m in Vaughn or Richmond Hill area. Our family income is around 200k, no debt. We are flexible on down-payment but want to max out our mortgage to take advantage of the low rate. How much mortgage we can possibly get in our case? Which banks?

    • homehunt
    • Sep 23rd, 2019 3:29 pm
    • Forum: Real Estate

  • Applying for mortgage and credit card at the same time

    Dear RFD members, I am planning to get a mortgage pre-approval (one from my bank and one from a broker) and also apply for 1 or 2 credit cards, all within the same month. Do you think all the credit checks that will be done can significantly ...

    • TTRMND
    • Sep 22nd, 2019 5:53 pm
    • Forum: Personal Finance

  • Mortgage Question - Lock in or not

    Hi All, Looking for some advice here. I am about 1 year and 1 month to date into my 5 year varible mortgage and currently have a rate of 3.10 but when I had signed it, it was about 2.95 I recently spoke with my mortgage company who said they can offer me. 2.79 fixed rate ...

    • aircanada15
    • Sep 21st, 2019 11:32 pm
    • Forum: Real Estate

  • Choosing between 3 year and 5 year mortgage term

    Hello, Quick question about 3 year and 5 year terms for mortgages, are there differences in qualifications for 3 year vs 5 year? Say we've been approved for a 5 year, but I actually want a 3 year term, does our broker need to re-do all the paperwork required, will I have to be re-approved for a 3 ye...

    • Goodwill234
    • Sep 18th, 2019 1:07 am
    • Forum: Real Estate

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