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Your home can be used as financial leverage.

Geneviève and Éric bought their home 8 years ago.  By refinancing their home for the maximum allowed (80% of the market value), they were able to free up $100,000 that they used as...

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Is my mortgage renewal the ideal opportunity to look at restructuring my mortgage?

The answer to this question depends on your future projects and your current level of debt. In a nutshell, if you already have credit card debts, a line of credit, a personal or car loan, or a...

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A place for your kids to live through university: Better to buy or rent?

With the high cost of rent, especially in Quebec City and Montreal, more and more parents are buying condos for their kids to live in while they’re at school. After all, they could probably...

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Speed up your mortgage payments and save money!

What is the difference between an accelerated weekly payment and a non-accelerated payment? Simple! If your mortgage costs you $1,000 a month, and you want to pay it weekly, your financial...

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Good or bad debt?

What is a good debt? What is a bad debt? Knowing the difference between the two will make it easier to manage your debts and reduce their burden.   A debt by any other name… No one can...

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Is it smart to use part of my RRSP’s to pay down debts so I can become a homeowner?

Marie-Pierre decided to buy a nice home in the suburbs.  However, when she applied for a loan with her financial institution, she was refused.  They explained to her that she was already carrying...

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Should I choose monthly or weekly payments?

You have just completed the mortgage approval process, and the inevitable question from your mortgage broker or bank adviser crops up: do you want to make weekly or monthly payments? If you answer...

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Who can be exempt from paying the welcome tax?

The welcome tax is also known as the land transfer tax. Former Minister Bienvenue had created this tax to allow municipalities to tax real estate transactions carried out on their territory as an...

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Important Notice: If you have a Variable mortgage rate, what should you do?

To the surprise of many economists and analysts the Bank of Canada (BoC) has decided to increase its key lending rate for the second time in 2 months by another 0.25% on September 6th 2017.  This...

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(Français) Le taux variable vous rend frileux? Voici de quoi vous faire changer d’idée!

Sorry, this entry is only available in French.

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(Français) Le taux n’est pas toujours la variable la plus importante

Sorry, this entry is only available in French.

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Down payments soon to be higher on some mortgages

On December 11, without addressing the risk of a potential real estate bubble, Federal Finance Minister Bill Morneau announced that down payments on mortgages between $500,000 and $1 million would be...

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Ne ne?gociez pas avec une seule institution financie?re

Sorry, this entry is only available in French.

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A private lender could help you find the missing funds needed to complete the construction of your home.

Louise and Roger decided to build their own home. Since they have a lot of construction and renovation experience they figured, “Why not build our own dream home and take advantage  of our...

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(Français) Ne sous estimez pas le volet paperasse de la transaction

Sorry, this entry is only available in French.

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(Français) Ne négligez pas l’évolution de vos besoins

Sorry, this entry is only available in French.

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(Français) Ne sous-estimez pas vos besoins réels

Sorry, this entry is only available in French.

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RATES OF

June 21 2019

TERMS BANKS MORTGAGE PLANNERS
1 Year Fixed 4.09% 3.29%
2 Years Fixed 3.89% 3.14%
3 Years Fixed 4.44% 2.89%
4 Years Fixed 4.89% 3.14%
5 Years Fixed 5.34% 2.79%
5 years Variable 3.95% 2.90%
7 Years Fixed 5.80% 3.57%
10 Years Fixed 6.60% 3.70%
HELOC 4.95% 4.45%

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