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02-24-2020, 11:14 PM
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#15326 | | I answer every Emotion with an emoticon
Join Date: Apr 2004 Location: BC, HK, USA
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Originally Posted by bcedhk  We are hoping to find a new place in the next 2-3 years and want to start to actively browse around presale options. So far I've been using REW.ca | As of the current situation right now....people are losing out hard (if you're flipping) on pre-sale... if you live in it sure... but what my realtor told me is... "why would you want to pay a mortgage that's eg// 800k on the pre-sale you are about to move in in the next 60 days, when you can walk across the street on something the same yr, similar specs for 730k instead."
Made a lot of sense. My bff bought presale for 1 reason, they don't plan on moving in 3 yrs later and don't want to specifically buy now....
really depends on your situation.
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03-03-2020, 10:21 AM
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#15327 | | Rs has made me the woman i am today!
Join Date: Mar 2006 Location: Vancouver
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My MIL is looking at this new development Home - Element1
I just took a quick peek and there isn't much information on the site. Curious if one of you guys know anything about it. Also if there are any better alternatives if looking at a 2 level townhome.
MIL has a bad habit of buying things on impulse. Things as in homes. And cars. Don't get me started on this stuff............................................. ...
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03-03-2020, 09:14 PM
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#15328 | | ninja edits your posts without your knowledge
Join Date: Jan 2004 Location: Vancouver
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| Quote:
Originally Posted by EvoFire My MIL is looking at this new development Home - Element1
I just took a quick peek and there isn't much information on the site. Curious if one of you guys know anything about it. Also if there are any better alternatives if looking at a 2 level townhome.
MIL has a bad habit of buying things on impulse. Things as in homes. And cars. Don't get me started on this stuff............................................. ... | I've driven by this multiple times and it looks okay from the outside.
What really sketched me out one day was during construction, one of the signal/traffic control women was straight up a meth user.
Although the neighbourhood has significantly diversified over the years, the idea that there are no gates/walls is a bit concerning for theft.
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03-04-2020, 12:11 PM
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#15329 | | I don't get it
Join Date: Dec 2006 Location: Coquitlam
Posts: 448
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Originally Posted by EvoFire My MIL is looking at this new development Home - Element1
I just took a quick peek and there isn't much information on the site. Curious if one of you guys know anything about it. Also if there are any better alternatives if looking at a 2 level townhome.
MIL has a bad habit of buying things on impulse. Things as in homes. And cars. Don't get me started on this stuff............................................. ... | I live at the apartment right beside this development and walk by it daily when I walk my dog
I don't think it's 100% complete yet but it's strange that there are no fences on the ground floor
Last time I walked by in the morning, I could see what the tenant was doing and what was inside their home, granted it's not 100% complete yet and I'm sure they will install fences on the ground floor units
Neighbor is alright, I haven't seen any weird things go on at night while walking the dog but it is by the skytrain station so expect some weird people at night on occasion
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03-04-2020, 12:13 PM
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#15330 | | Ready to be Man handled by RS!
Join Date: May 2013 Location: richmond
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Hey
anyone ever use this company's services and are they reputable? https://realmortgage.net/
I need a new mortgage broker because the guy I used a while back no longer does it.
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03-04-2020, 12:29 PM
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#15331 | | Rs has made me the woman i am today!
Join Date: Mar 2006 Location: Vancouver
Posts: 4,194
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| Quote:
Originally Posted by obento_supreme I live at the apartment right beside this development and walk by it daily when I walk my dog
I don't think it's 100% complete yet but it's strange that there are no fences on the ground floor
Last time I walked by in the morning, I could see what the tenant was doing and what was inside their home, granted it's not 100% complete yet and I'm sure they will install fences on the ground floor units
Neighbor is alright, I haven't seen any weird things go on at night while walking the dog but it is by the skytrain station so expect some weird people at night on occasion | So it's not complete, yet ppl are living inside? Don't they need a permit before moving in?
Also is there a show home or anything I can go see?
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03-04-2020, 12:34 PM
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#15332 | | I don't get it
Join Date: Dec 2006 Location: Coquitlam
Posts: 448
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| Quote:
Originally Posted by EvoFire So it's not complete, yet ppl are living inside? Don't they need a permit before moving in?
Also is there a show home or anything I can go see? | Couldn't tell if it's completed or not, just doesn't looked like to me last time I walked by it.
I'm not sure where their show rooms are but there should be one where potential owners can see, best to contact someone there and see what they say
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03-05-2020, 12:03 AM
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#15333 | | My dinner reheated before my turbo spooled
Join Date: Jan 2008 Location: Vancouver
Posts: 1,738
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BoC cutting their rates. My variable 2.5% is down to 2%. Thank you coronavirus.
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03-05-2020, 07:06 AM
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#15334 | | I *heart* Revscene.net very Muchie
Join Date: Nov 2004 Location: vancouver
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I'm coming up for renewal in may, perfect timing for the rate drop
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03-05-2020, 09:14 AM
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#15335 | | MOD MOD MOD MOD MOD
Join Date: Dec 2003 Location: vancouver
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Originally Posted by Ludepower BoC cutting their rates. My variable 2.5% is down to 2%. Thank you coronavirus. | Damn. That's crazy.
__________________ Quote: | [03-07, 03:26] Yodamaster - The feeling when you quickly insert without hitting the sides | | |
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03-05-2020, 07:26 PM
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#15336 | | ninja edits your posts without your knowledge
Join Date: Jan 2004 Location: Vancouver
Posts: 14,997
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| Quote:
Originally Posted by EvoFire So it's not complete, yet ppl are living inside? Don't they need a permit before moving in?
Also is there a show home or anything I can go see? | No one is living in them AFAIK. They were still prepping the show room/townhouse so I'm sure they were just workers.
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03-06-2020, 11:00 AM
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#15337 | | OMGWTFBBQ is a common word I say everyday
Join Date: Jul 2006 Location: Vancouver
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I might look into renewing early to take advantage of these rates. Is that a good or bad idea? (Currently at 3.39%, did my mortage in 2018).
__________________ Quote:
Originally Posted by PeanutButter Damn, not only is yours veiny AF, yours is thick AF too. Yours is twice as thick as mine.. That looks like a 2" or maybe even 3"? | | |
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03-06-2020, 11:11 AM
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#15338 | | Pull Out Towing. Women rescued for free.
Join Date: Mar 2002 Location: Hongcouver
Posts: 8,449
Thanked 2,414 Times in 1,283 Posts
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Originally Posted by roastpuff I might look into renewing early to take advantage of these rates. Is that a good or bad idea? (Currently at 3.39%, did my mortage in 2018). | do the math and see if the penalty is great than or less than how much you would save on interest.
__________________ Originally posted by Iceman_19 you should have tried to touch his penis. that really throws them off. Originally posted by The7even SumAznGuy > Billboa Originally posted by 1990TSI SumAznGuy> Internet > tinytrix Quote:
Originally Posted by tofu1413 and icing on the cake, lady driving a newer chrysler 200 infront of me... jumped out of her car, dropped her pants, did an immediate squat and did probably the longest public relief ever...... steam and all. | (11-0-0) Buy/Sell rating Christine Shitvic Pull Out Towing | |
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03-06-2020, 11:37 AM
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#15339 | | I *heart* Revscene.net very Muchie
Join Date: Nov 2004 Location: vancouver
Posts: 3,665
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just so happen to get some mail from MCAP yesterday and they're offering 2.59%
my broker is giving me the following as options:
- Scotia bank 5 year @ 2.69%
- Scotia bank 5 year @ 2.85% but that includes adding in my truck ($22K remaining at 3.49%) plus being able to do a HELOC (thinking of buying a rental property)
thoughts?
my real question is whether or not i lump my truck into the mortgage...my gut tells me no but i would like to see the numbers. my plan would be take the money i'm putting on the truck $600/month and just add that to my mortgage. would that make sense and save me money, no regardless right?
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03-06-2020, 11:45 AM
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#15340 | | RS has made me the bitter person i am today!
Join Date: Apr 2014 Location: Van
Posts: 4,657
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2.85% sounds high at this point. Why would they charge you more for borrowing more. Rates should go down the more you borrow
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03-06-2020, 11:56 AM
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#15341 | | Pull Out Towing. Women rescued for free.
Join Date: Mar 2002 Location: Hongcouver
Posts: 8,449
Thanked 2,414 Times in 1,283 Posts
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Tangerine is showing 2.39% for a 5 year fixed mortgage.
Even at 2.69% seems high.
__________________ Originally posted by Iceman_19 you should have tried to touch his penis. that really throws them off. Originally posted by The7even SumAznGuy > Billboa Originally posted by 1990TSI SumAznGuy> Internet > tinytrix Quote:
Originally Posted by tofu1413 and icing on the cake, lady driving a newer chrysler 200 infront of me... jumped out of her car, dropped her pants, did an immediate squat and did probably the longest public relief ever...... steam and all. | (11-0-0) Buy/Sell rating Christine Shitvic Pull Out Towing | |
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03-06-2020, 12:05 PM
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#15342 | | MOD MOD MOD MOD MOD
Join Date: Dec 2003 Location: vancouver
Posts: 5,856
Thanked 3,513 Times in 1,158 Posts
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| Quote:
Originally Posted by blkgsr just so happen to get some mail from MCAP yesterday and they're offering 2.59%
my broker is giving me the following as options:
- Scotia bank 5 year @ 2.69%
- Scotia bank 5 year @ 2.85% but that includes adding in my truck ($22K remaining at 3.49%) plus being able to do a HELOC (thinking of buying a rental property)
thoughts?
my real question is whether or not i lump my truck into the mortgage...my gut tells me no but i would like to see the numbers. my plan would be take the money i'm putting on the truck $600/month and just add that to my mortgage. would that make sense and save me money, no regardless right? | Use a broker and shop around. They can usually answer questions like that pretty easily. I'm thinking you can get something less than 2.69
__________________ Quote: | [03-07, 03:26] Yodamaster - The feeling when you quickly insert without hitting the sides | | |
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03-06-2020, 12:37 PM
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#15343 | | I don't get it
Join Date: Feb 2016
Posts: 400
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Was in the process of legalizing my 2 suite in a single family home, backyard looking into the parking lot at trout lake.
Was thinking of having it ready to list by summer but if the reports are true I should just unload now.
Shitty part would be to legalize it and have a developer buy it and tear it down lol.
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03-06-2020, 01:08 PM
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#15344 | | I have named my kids VIC and VLS
Join Date: Oct 2001
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For whatever reason our broker was always able to get the lowest rate out of Scotia. She used to work there but even going over her and getting quotes from other places Scotia was always the lowest rate
I really don’t like Scotia though and have had nothing but bad experiences with them. As well, we have very little transparency with our mortgage or HELOC with them because we don’t do our banking with them. Even though we’ve got hundreds of thousands tied up with them they want you to use them for banking to be able to access all your loans on demand...
They also fucked up big time initially when we went with them, the dumb agent told us we could get some sort of high interest term deposit if we had 10k in a chequing account with them, we did this but after we did we contacted them and what we were told wasn’t reality so we went in to pull out the 10k
We were able to withdraw 10k in cash by showing an account number on a phone.. we never once showed ID or verified anything...
__________________
Dank memes cant melt steel beams
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03-06-2020, 03:18 PM
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#15345 | | I *heart* Revscene.net very Muchie
Join Date: Nov 2004 Location: vancouver
Posts: 3,665
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Originally Posted by nabs Use a broker and shop around. They can usually answer questions like that pretty easily. I'm thinking you can get something less than 2.69 | I'm using a broker....he's pushing the scotia 2.89 rate with the HELOC and lumping my truck in
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03-06-2020, 07:30 PM
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#15346 | | I *heart* Revscene.net very Muchie
Join Date: Jun 2002 Location: Vancouver
Posts: 3,688
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That rate was good like 2 years ago. Get a new broker
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03-06-2020, 08:05 PM
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#15347 | | I contribute to threads in the offtopic forum
Join Date: Aug 2006 Location: Abbotsford
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My broker got me 2.53 fixed back in December which I was happy with.
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03-06-2020, 08:20 PM
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#15348 | | OMGWTFBBQ is a common word I say everyday
Join Date: Apr 2001
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Brokers may not be the best channel nowadays as monoline lenders are increasingly doing direct sales to clients, rather than through the broker channel.
The consensus these days for no-frills mortgages is Motusbank, which is a subsidiary of Meridian Credit Union. They're a consistently recommended lender on RedFlagDeals and Reddit personal finance.
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03-06-2020, 10:37 PM
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#15349 | | ninja edits your posts without your knowledge
Join Date: Jan 2004 Location: Vancouver
Posts: 14,997
Thanked 6,370 Times in 1,795 Posts
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Originally Posted by obento_supreme Couldn't tell if it's completed or not, just doesn't looked like to me last time I walked by it.
I'm not sure where their show rooms are but there should be one where potential owners can see, best to contact someone there and see what they say | Just saw the signs for the showroom today. Looks like it's on site.
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03-07-2020, 05:19 PM
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#15350 | | What hasn't Killed me, has made me more tolerant of RS!
Join Date: Mar 2005 Location: Coquitlam
Posts: 178
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Originally Posted by CRS Just saw the signs for the showroom today. Looks like it's on site. | Wife was interested so we took a look at this place. It's still under construction; there are three showrooms to preview (which will eventually be sold).
While the layout is subjective, the build quality was not impressive. Tiles visibly not aligned, wall angled out on one end..
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