Quote:
Originally Posted by Eff-1
We are renewing at the end of the month and here's what we're looking at right now. TD or Coast Capital.
5 YEAR VARIABLE
TD - 4.89%
CC - 4.79%
3 YEAR FIXED
4.39% (both)
5 YEAR FIXED
4.24% (both)
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So you prompted me to call my broker earlier. I am due Jul 2026 and I'm locked in at 5.07%
Get this, he offers to break my mortgage, no penalty and refinance at 4.2%. Is it the absolute lowest we can get right now? Probably not. I think I've seen ppl talk about 3.99 or 4.1.
But
NO penalty
It saves me $750/m of interest a month with a few signatures.