Mortgage Discussions, Offers & Promotions

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  • New mortgage

    Hello all, were looking to get into our first home and contacted Ingram mortgage under the recommendation of a realtor we contacted. I’ve been trying to absorb as much info as possible, it is quite daunting with all the info out there. Any advice would be appreciated.

    • Diggydiggy
    • May 24th, 2020 2:21 pm
    • Forum: Real Estate

  • Need advice on what to do with about 150K$ (fill RRSP, put in mortgage or invest, etc.)

    ... space for my RRSP. My salary in 2020 will be around 230k. I’m in Quebec, so my marginal combined tax rate is about 55%. I’m 32 years old. I have 2 mortgages. 122k left on a 215k condo I’m renting (I’m the landlord). Interest rate of 1.95% variable. 306k left on a 500k house. Interest rate of 1.95% ...

    • Malkavian
    • May 21st, 2020 6:38 pm
    • Forum: Investing

  • Can I apply mortgage at more than 1 bank as closing is coming near?

    I'm on a time limit. I have about 4-5 days to get a mortgage commitment letter so I can show it to the seller. I applied for a mortgage at one bank. But the bank broker is not confident if my mortgage will be approved.Should I apply at two more banks at the same time?

    • rick05
    • May 20th, 2020 7:46 am
    • Forum: Real Estate

  • Mortgage Principal Question

    ... appointment booked for next Wednesday but thought I would ask the RFD guru's first to see if I'm wasting my time with TD. I have a variable rate mortgage with TD and with the recent BOC rate cuts I have seen the principal portion of my mortgage payments go up by 40%. My mortgage payment remains ...

    • kr0zet
    • May 15th, 2020 8:59 am
    • Forum: Real Estate

  • Mortgage Payment Frequency

    With today's low interest mortgage rates, what mortgage payment frequency is more advantage. Assuming you can afford the payment of accelerated as well.

    • jdu0ng
    • May 14th, 2020 4:03 pm
    • Forum: Personal Finance

  • Mortgage agent mentor?

    Greeting, Hope everyone is keeping well and staying safe! I was scanning the site for any mentions of a mentorship program for mortgage agents . Search didn't bring up a listing. Anyone know if such a program exists in Ontario? Or a broker willing to mentor? Yes, I have tried google as ...

    • MtgPartner
    • May 14th, 2020 2:53 pm
    • Forum: Real Estate

  • Mortgage & Interest rate direction?

    I know no one has a crystal ball to predict the future...but just for discussion purpose, where do you guys think the interest rates & mortgages are heading in the next few years? My mortgage renewal coming, I've picked variable the last 2 terms because I always believe interest rate would ...

    • stanleyt
    • May 13th, 2020 2:11 pm
    • Forum: Real Estate

  • Scotia Flex value mortgage comparison

    Mortgage shopping .. getting approval for a scotia variable mortgage .. for 2.56% (30 yrs). Does it look like a good deal or what better deals are people seeing out there? Thanks for your inputs!

    • Intel1
    • May 13th, 2020 3:03 am
    • Forum: Real Estate

  • [Monthly] 2020/12/31 MCAP's MyHome Sweepstakes 2020 - all Canada - must have mortgage with them

    Entry Mechanism : Once an entrant has completed the online Registration process, he/she can earn entries for the Prizes by logging on to the MyMCAP portal, accessing the Contest Website, and/or completing a challenge or activity described on the Contest Website. Limit one (1) Registration per MyMCAP...

    • Rosibal
    • May 8th, 2020 1:04 pm
    • Forum: Contests

  • Rental unit and mortgage deferral

    ... rental. What if the subletted tenant were impacted by a layoff and decided to leave due to financial reasons. As a landlord, do I have a case for mortgage deferral because this one person now has to pay 100% by themselves? This solo person was only impact financially by COVID due to the person ...

    • ChiGGz
    • May 6th, 2020 7:51 pm
    • Forum: Real Estate

  • Mortgage Penalty and Renewal

    HI All,I'm currently 1 year and 5 months into my 5 year fixed term collateral mortgage 3.49%.Should I pay the penalty and renew at a lower rate now or wait?

    • tt1688
    • May 5th, 2020 10:51 am
    • Forum: Personal Finance

  • Mortgage Break or Port

    ... later this year. I am currently with BMO on 2 of 5 yr fixed term. If I sell my condo to purchase the townhouse, does this mean I need to break my mortgage? I've heard about being able to port your mortgage, am I eligible to do this in my situation and how does it work?

    • jdu0ng
    • May 1st, 2020 2:15 am
    • Forum: Real Estate

  • Need your advice on refinancing a mortgage

    I am looking for some advice and hope you can help. I have a mortgage with a variable interest rate of 1.6% (the rates went down recently) with a 17 year amortization. I am considering refinancing in order to consolidate debt of $36,000 into the mortgage. ...

    • bubbletx
    • Apr 30th, 2020 9:26 pm
    • Forum: Personal Finance

  • Mortgage Disability Insurance advice

    Hi With the uncertainty and risks of the Covid-19 pandemic has anyone considered or gotten coverage for Mortgage Disability Insurance, atleast for a short timeframe until things have settled. I suppose it's personal preference and circumstance. My understanding that this type ...

    • maxevans
    • Apr 28th, 2020 10:37 pm
    • Forum: Personal Finance

  • Interest only mortgage deferral

    So I was talking to my bank's mortgage advisor about options with regards to possible mortgage deferrals as my income has taken a hit. They suggested since I don't feel like I need a full mortgage deferral that I could do a interest only ...

    • Veeshmack
    • Apr 28th, 2020 8:08 pm
    • Forum: Real Estate

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