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04-19-2023, 08:51 PM
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#25776 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,427
Thanked 4,943 Times in 1,701 Posts
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Originally Posted by supafamous  | Renewal would be with EQ. It looks like a lot of intro offers have promo rates that are relatively low, but have a lot of conditions attached to it.
I spoke to a mortgage broker that I know from the car community and he mentioned that some rates have a stipulation of the original purchase price / market value has to be less than $1MM. In which instance, I really should have just offered 999,999 and given 30K in cash lul.
This whole mortgage renewal thing is stressing me out tho. Not on the day by day pay my bills type of stress but more like where am I even going to be in 5 years LOL.
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|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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04-19-2023, 09:04 PM
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#25777 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 38,332
Thanked 15,326 Times in 6,174 Posts
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For mortgages I’ll never use Scotia again even if I have to take a point or two on a rate. Scotia has been a complete joke and they never confirm identity.. like ever it’s crazy and very concerning
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Dank memes cant melt steel beams
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04-19-2023, 09:10 PM
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#25778 | | Willing to sell a family member for a few minutes on RS
Join Date: Apr 2011 Location: North vancouver
Posts: 12,922
Thanked 32,959 Times in 7,727 Posts
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I've been super pissed with TD as well. I've called to try and up my mortgage payment like 4x and each time there's an excuse why they can't do it, and it's all just based on logistics on their end.
That's 2 banks that are total shit. Bet all the rest are too lol.
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98 technoviolet M3/2/5 Quote:
Originally Posted by boostfever Westopher is correct. | Quote:
Originally Posted by fsy82 seems like you got a dick up your ass well..get that checked | Quote:
Originally Posted by punkwax Well.. I’d hate to be the first to say it, but Westopher is correct. | | |
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04-19-2023, 09:41 PM
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#25779 | | in the butt
Join Date: Aug 2016
Posts: 2,917
Thanked 3,717 Times in 1,349 Posts
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Originally Posted by Hondaracer For mortgages I’ll never use Scotia again even if I have to take a point or two on a rate. Scotia has been a complete joke and they never confirm identity.. like ever it’s crazy and very concerning | Quote:
Originally Posted by westopher I've been super pissed with TD as well. I've called to try and up my mortgage payment like 4x and each time there's an excuse why they can't do it, and it's all just based on logistics on their end.
That's 2 banks that are total shit. Bet all the rest are too lol. | This is just all banks....
I had bank fraud with RBC twice in a row x years ago, the second time, after I locked out all my accounts, I went into a branch to take out cash (while I sorted out the mess)
I gave the teller my bank card, he says enter your pin, I do, "alright how much do you want?" I say 800$ or whatever, then he had to call the supervisor for approval because it was locked.
Supervisor walks up, first thing she asks is "did you verify his ID?"
At this point the three of us are just looking at each other completely dumb founded...... Good times.
Another time they forgot to turn on my auto payments as per phone request, so my credit dropped from 890 to something stupid like 700 due to a "missed" payment..... Still haven't recovered to this day.
/Rant
__________________ Quote:
Originally Posted by Mr.Money
i hate people who sound like they smoke meth then pretend like they matter.
Originally Posted by ilovebacon
Does anyone have a pair of 25 pounds one-inch hole for sale at a reasonable price?
Originally Posted by mikemhg
Clothes come off and my car is permeated with the smell of fillet-o-fish and canned tuna.
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04-19-2023, 11:34 PM
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#25780 | | What hasn't Killed me, has made me more tolerant of RS!
Join Date: Feb 2017
Posts: 195
Thanked 202 Times in 68 Posts
Failed 1 Time in 1 Post
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Originally Posted by EvoFire Pre hikes, we were at ~37.5%
Post hikes we were at ~55%. Mind you we were under paying and our amortization period is now something like 50 years
Post-partem and wife on mat leave, we are like 60% since she has top up. I'll be worse after her top up ends in a few months.
That doesn't include property taxes or insurance and the whole shebang of owning a home. Yeah we are broke af. | Fuckkk I needed to read this too. I hate that you’re going thru it but but I’m glad I’m not alone. Let’s keep it going b.
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04-20-2023, 05:07 AM
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#25781 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,586
Thanked 3,790 Times in 1,350 Posts
Failed 83 Times in 42 Posts
| Quote:
Originally Posted by Hondaracer For mortgages I’ll never use Scotia again even if I have to take a point or two on a rate. Scotia has been a complete joke and they never confirm identity.. like ever it’s crazy and very concerning | I used to do all my banking there at one point, left after about 15 years of using them and have zero regrets. I wouldn't break a bill in that bank, fuck them.
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“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I don´t care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. That´s how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa
Last edited by quasi; 04-20-2023 at 08:58 AM.
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04-20-2023, 08:21 AM
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#25782 | | Rs has made me the man i am today!
Join Date: Mar 2011 Location: Vancouver
Posts: 3,207
Thanked 3,145 Times in 1,329 Posts
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Each bank has good and bad - I've banked with BMO, Scotia, TD, Tangerine, and Coast and have had good and bad experience with each. My last couple go rounds with TD have been quite good - maybe we got lucky with the advisor we worked with but he was helpful, responsive, and reasonably knowledgeable.
For those spending over 50% of take home on your mortgage - hang in there. That's rough.
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Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
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04-20-2023, 09:01 AM
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#25783 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,586
Thanked 3,790 Times in 1,350 Posts
Failed 83 Times in 42 Posts
| Quote:
Originally Posted by supafamous Each bank has good and bad - I've banked with BMO, Scotia, TD, Tangerine, and Coast and have had good and bad experience with each. My last couple go rounds with TD have been quite good - maybe we got lucky with the advisor we worked with but he was helpful, responsive, and reasonably knowledgeable.
For those spending over 50% of take home on your mortgage - hang in there. That's rough. | This is true for sure, we use RBC now and whenever I have issues I just call a family member who's worked there for a long time and has moved up pretty far. They hook us up with waving fees for us on Credit cards and daily banking, always get the best rates they can offer so it's hard to get better service. If we didn't have a hookup probably wouldn't like the bank as much hah.
__________________
“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I don´t care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. That´s how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa | |
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04-20-2023, 09:06 AM
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#25784 | | OMGWTFBBQ is a common word I say everyday
Join Date: Apr 2001
Posts: 5,054
Thanked 2,572 Times in 1,168 Posts
Failed 81 Times in 54 Posts
| Quote:
Originally Posted by westopher Wondering what people in here are spending as a portion of take home income on mortgages right now.
I know what we can qualify for, and it's not a number I'm comfortable with, but curious what real world non 500k income model dating RS members are at? | Our mortgage costs are about 33% of our take-home pay. We have a detached house in the 'burbs and we are on a variable mortgage. We aren't making extra payments as we're just trying to enjoy life (we are out of the daycare years) and fix up this mid-90s house. We went through the pain when we had a small townhouse and put 2 kids through daycare.
Our total costs including utilities, taxes, and a reasonable amount set aside for general maintenance are about 40-43%.
My wife changed jobs last year and bumped her compensation by 25%. I changed industries a couple of years ago and bumped up my compensation by a similar amount. Plus, last year, we finished the daycare years, so that's how we've weathered rising interest rates and inflation.
When you make these decisions, you go through the spreadsheet blues. It can be incredibly depressing, but in the end, you make the necessary adjustments. Or, you take a chance and try to make more money. My wife works very hard in her new role, but it's opened up a lot of opportunities for her as well.
In the end, we'll all end up dead anyway. The window for these types of decisions is actually quite short. If there's something you want, go for it.
Last edited by Tapioca; 04-20-2023 at 09:19 AM.
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04-20-2023, 09:39 AM
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#25785 | | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,285
Thanked 4,085 Times in 1,474 Posts
Failed 142 Times in 81 Posts
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Pre-hikes it was like 15%. Now it's like 25%. And that's just my income. Obvs not a SFH. Aiming for coast-FIRE in the next 3 years and keeping it low stress. I look my 40 year old face in the mirror and still see a 25 y.o is staring back at me. So many others I know my age or slightly older is balding, grey haired or both.
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04-20-2023, 09:41 AM
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#25786 | | RS has made me the bitter person i am today!
Join Date: Mar 2006 Location: Vancouver
Posts: 4,504
Thanked 3,261 Times in 1,515 Posts
Failed 59 Times in 34 Posts
| Quote:
Originally Posted by westopher I've been super pissed with TD as well. I've called to try and up my mortgage payment like 4x and each time there's an excuse why they can't do it, and it's all just based on logistics on their end.
That's 2 banks that are total shit. Bet all the rest are too lol. | You can do it in easyweb. I've just been upping my payments there to match the rate hikes.
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04-20-2023, 10:34 AM
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#25787 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
Posts: 5,019
Thanked 2,734 Times in 1,064 Posts
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Originally Posted by CivicBlues Pre-hikes it was like 15%. Now it's like 25%. And that's just my income. Obvs not a SFH. Aiming for coast-FIRE in the next 3 years and keeping it low stress. I look my 40 year old face in the mirror and still see a 25 y.o is staring back at me. So many others I know my age or slightly older is balding, grey haired or both. | Concept of coastfire always spooks me lol, says I've been coastfire since 25 @ $40K withdrawal. I wonder if that means I should yolo every $ into a 911, since I have enough for retirement at 25 
Also if I sell the house, live like a hobo, can be FIRE @ $40K by 36. https://www.playingwithfire.co/retirementcalculator https://walletburst.com/tools/coast-fire-calc/
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2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
2002 RSX-S [T-Boned]
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04-20-2023, 03:41 PM
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#25788 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,913
Thanked 11,537 Times in 4,171 Posts
Failed 490 Times in 249 Posts
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wtf is a mortgage?  | |
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04-20-2023, 03:44 PM
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#25789 | | RS has made me the bitter person i am today!
Join Date: Apr 2014 Location: Van
Posts: 4,984
Thanked 2,071 Times in 1,108 Posts
Failed 215 Times in 129 Posts
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Why pay when COV will offer you free downtown housing.
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04-20-2023, 03:45 PM
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#25790 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,913
Thanked 11,537 Times in 4,171 Posts
Failed 490 Times in 249 Posts
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yeah setup a tent, you get free housing afterwards.
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04-20-2023, 03:55 PM
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#25791 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
Posts: 5,019
Thanked 2,734 Times in 1,064 Posts
Failed 256 Times in 73 Posts
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Originally Posted by Badhobz yeah setup a tent, you get free housing afterwards. | Why pay for things at the store, just walk out. Worst case scenario you get free housing + food and released in 24 hours. 
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2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
2002 RSX-S [T-Boned]
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04-20-2023, 04:19 PM
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#25792 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,913
Thanked 11,537 Times in 4,171 Posts
Failed 490 Times in 249 Posts
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Now you’re thinking like a liberal. Help me trudeau ! Help me !!!
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04-20-2023, 06:07 PM
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#25793 | | in the butt
Join Date: Aug 2016
Posts: 2,917
Thanked 3,717 Times in 1,349 Posts
Failed 184 Times in 97 Posts
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Originally Posted by Badhobz Now you’re thinking like a liberal. Help me trudeau ! Help me !!! | Hondaracer give badhobz his account back please
__________________ Quote:
Originally Posted by Mr.Money
i hate people who sound like they smoke meth then pretend like they matter.
Originally Posted by ilovebacon
Does anyone have a pair of 25 pounds one-inch hole for sale at a reasonable price?
Originally Posted by mikemhg
Clothes come off and my car is permeated with the smell of fillet-o-fish and canned tuna.
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04-20-2023, 06:12 PM
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#25794 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Oct 2016 Location: Ricemond
Posts: 9,913
Thanked 11,537 Times in 4,171 Posts
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ugh i complain about trudeau but what's the alternative. not a god damn one i would vote for.
ressurect old man Jean Chrétien plz
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04-21-2023, 11:08 AM
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#25795 | | My homepage has been set to RS
Join Date: Jun 2013 Location: Burnaby
Posts: 2,477
Thanked 2,956 Times in 790 Posts
Failed 409 Times in 110 Posts
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Originally Posted by Badhobz ugh i complain about trudeau but what's the alternative. not a god damn one i would vote for.
ressurect old man Jean Chrétien plz | Chretien & Paul Martin, at least they all tried to balance the budget...I'd take Harper for his fiscal policy barring everything else.. Trudeau is just dropping cash like it's hot.
Just give me someone who cares about our balance sheet.
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04-21-2023, 11:39 AM
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#25796 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 17,076
Thanked 17,946 Times in 6,025 Posts
Failed 293 Times in 189 Posts
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lol balanced budget
When was the last time the deficit went down... politicians been talking about balancing budgets since I was a little kid and that was a long fuckin time ago
Even when the BC liberals said they "balanced the budget" years ago and had a surplus, it was because they sold off crown land like candy and pulled all of ICBC's investments
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04-21-2023, 02:21 PM
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#25797 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
Posts: 5,019
Thanked 2,734 Times in 1,064 Posts
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the budget will balance itself !
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2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
2002 RSX-S [T-Boned]
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04-21-2023, 02:28 PM
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#25798 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 38,332
Thanked 15,326 Times in 6,174 Posts
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I say we give substantially more to Ukraine, like wayyyy more
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Dank memes cant melt steel beams
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04-21-2023, 03:01 PM
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#25799 | | Need to Seek Professional Help
Join Date: Jan 2005 Location: Van
Posts: 1,060
Thanked 548 Times in 293 Posts
Failed 27 Times in 15 Posts
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Originally Posted by Hondaracer I say we give substantially more to Ukraine, like wayyyy more | You don't need to worry on that front as it's going to last for decades. Unfortunately, there's no real exit strategy since Russia will never admit defeat.
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04-21-2023, 03:17 PM
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#25800 | | I have named my kids VIC and VLS
Join Date: Oct 2001
Posts: 38,332
Thanked 15,326 Times in 6,174 Posts
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Ok then maybe we can give more to Haiti? Like billions more
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Dank memes cant melt steel beams
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