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Financing, Mortgages and Insurance What options are best for you and your situation?


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  #11  
Old 2012-08-01, 07:12 PM
Tara Wilkins Tara Wilkins is offline
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Yes, major banks will all match rates. You just need to contact your current provider - my suggestion is to contact Mortgage Specialist who work for that given bank.

Tara Wilkins
TD Canada Trust
Manager. Mobile Mortgage Specialist
tara.wilkins@td.com
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  #12  
Old 2012-08-03, 10:50 AM
kei78 kei78 is offline
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Actually the bank that i did end up going with for 2.99% five year fixed was TD bank.

To the people on this thread, if your house hasnt closed yet, keep banging away at the lenders until you get the rate you want. I already signed my papers with TD for 3.09% but a week later, when i was offered a lower rate (from my previous lender), they had no issues matching it. (they wanted proof of course, mine was via email with my previous lender)

Last edited by kei78; 2012-08-03 at 12:26 PM.
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  #13  
Old 2012-08-07, 03:24 PM
nikkers20 nikkers20 is offline
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Any1 get this?

https://www.ratesupermarket.ca/mortg...000&province=5
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  #14  
Old 2012-08-10, 09:43 AM
kei78 kei78 is offline
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Nikkers, i saw the one you were refering to @ 2.88%. Looks like they changed that one but another lender from that site is able to do 2.89% 5 year fixed. Looks like if you see a rate you like and your with in the 120 days closing, jump on it quickly to secure it!

Just as an fyi... i fowarded this to TD and i was told they dont compare rates with mortgage brokers, only major banks.

Last edited by kei78; 2012-08-10 at 05:55 PM.
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  #15  
Old 2012-09-24, 04:31 PM
Tara Wilkins Tara Wilkins is offline
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The major banks do not match rates which have restrictions on their products. Many of the offerings out there have major restrictions on the product, which Banks will not do to their clients. I would just read all the fine print.

If you are looking at getting the best rate/service, I would contact the Mortgage Sale Force at the banks - they will help you with finding the right mortgage for your needs and the best rate!
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  #16  
Old 2012-10-05, 03:29 PM
613snowman 613snowman is offline
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Think you can still find 2.99 / 5 yr fixed
Get a broker on it -
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  #17  
Old 2012-10-05, 11:51 PM
Tara Wilkins Tara Wilkins is offline
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Or contact your Mortgage Specialist at the bank
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  #18  
Old 2012-11-14, 02:31 PM
613snowman 613snowman is offline
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I see 2.94 in quick close advertised now!
Not too late to lock this up I hope!

Hopefully a .05 int rate saving will offset your property tax hikes!
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  #19  
Old 2012-11-14, 02:34 PM
613snowman 613snowman is offline
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Like the other poster said [get a broker on it]
A broker get you the best rate out there - a bank mortgage rep can get you the best rate they offer
If you have been a client at a big bank for many years they might not even give you their best rate because they see you as a loyal client. That's where they get ya. Shoe no loyalty
Shoe loyalty only to your wallet!!!
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  #20  
Old 2013-01-08, 02:53 PM
Tara Wilkins Tara Wilkins is offline
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Hi 613snowman,

You need to speak with the Mortgage Sales Force, or Mortgage Specialist at the branches in order to get the best rate. These rates are offered through that channel - they are the brokers for that branch

We can place any of your mortgages at any TD Branch within Canada - so contact your Mortgage Specialists!

Tara Wilkins
Mortgage Specialist
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