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Buying a new home? You may be eligible for a GST and QST rebate!

Buying a new home can be an exciting project, but it comes with its share of government fees. Traditionally, when you buy a new home, you must pay the Goods and Services Tax (GST) and the Quebec...

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Unlocking Financial Options for Aging in Place: A Guide to Reverse Mortgages for Supporting Your Parents' Independence in Retirement

If your parents wish to age in place but you believe they don't have sufficient funds to cover the cost of such a choice, there is an alternative solution. Reverse mortgages can provide your parents...

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Optimizing Your Assets: The Benefits of Mortgage Refinancing"

Mortgage refinancing sometimes gets a bad rap, often likened to recklessly tapping into one's home equity as though it were an ATM. However, this viewpoint only paints a partial picture. Beyond the...

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Can't find the property you want to buy?

Shabby carpeting , splintered moldings, a bathroom from a bygone era, and a kitchen with old melamine cabinets…There always seems to be something wrong when looking around for a potential new...

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A home equity line of credit... Why not?

A home equity line of credit is very useful for real estate projects. Whether you want to renovate your home, buy a second home, or use it as a backup in case of unforeseen circumstances, your...

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Debt consolidation via a mortgage

Debt consolidation consists in borrowing a single amount of money with a financial institution to pay all of your debts. This way, you end up with a single payment which greatly facilitates the...

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7 questions to ask yourself before buying a house to renovate

You found a house to die for, but it needs a lot of TLC? You want to buy a house to renovate it and sell it in 2, 5 or 10 years? Before starting a project of this scale, ask yourself the following 7...

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Refinancing your mortgage can make your dream kitchen a reality!

You may wonder whether there is a way to use your mortgage to finance a specific project, such as a kitchen renovation. Let’s take a look at how it is not only possible, it is actually the most...

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5 tips for a greener home

5 tips for a greener home  Sustainable development, energy efficiency, environmental responsibility... It’s not a fad, it’s a lifestyle. According to a 2017 study by Sagen, more...

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The questions you need to ask before deciding to move or upgrade your home

We often want to move because we want a bigger home. However, several factors, such as hesitating to leave a neighbourhood your family is fond of or the high cost of a larger home, might lead us to...

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Use your RRSP as a down payment on a your real estate purchase.

How can you use your RRSP as a down payment on a real estate purchase? How do financial institutions manage this procedure? It’s really quite simple. If you are considered a first-time...

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Itching to renovate your home? Here's how to make it happen.

After a visit with me at my office, Vanessa and Thomas decided to renovate their home to bring it up to date. They even took the opportunity to add a garage! Fifteen years ago, they paid $150,000...

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Buying a property needing major renovation? Careful planning will bring big savings!

For some years, you can no longer refinance* a mortgage for more than 80% of the market value of a home. We have noticed that many of our clients return to our offices seeking mortgage refinancing in...

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Which Option is Best for You?

Should you stick with the stability of a fixed mortgage rate or roll the dice with a variable? It’s one of the most difficult decisions faced by new homebuyers and homeowners who are renewing...

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What do we do if we just made an offer on a house, but haven’t sold our condo yet?

Start by asking yourself this one all-important questions: could you qualify for 2 mortgage loans – your current one on your condo and a new one for the house you want to buy? In effect, even...

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Finance your new swimming pool with your mortgage loan

Paul has just been woken up at 7 AM by the noisy machines digging his neighbor’s new pool. Curious by nature, Paul goes to speak with his neighbor, Robert, busy surveying the work....

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Has confinement given you the urge to renovate?

During this crisis period, we find ourselves spending a lot of time at home. And with the arrival of spring, renovations projects are very likely to bloom everywhere! We’d like to take a few...

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Important changes coming to mortgage financing standards

The Office of the Superintendent of Financial Institutions (OSFI) is currently studying the possibility of applying another major change that will affect anyone looking to purchase or refinance a...

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CMHC mortgage insurance premiums have been increased.

January 17th, 2017, the CMHC announced an increase in their mortgage insurance premium rates as of March 17th 1st of this year. This means that if you submit your insured financing to your...

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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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What happens to a residence in a divorce?

William called me a few weeks ago to tell me that he is breaking up with his girlfriend. He wants to buy her part of the house they bought together 3 years ago. I had negotiated their initial...

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Make sure you have cash on hand to act quickly on a good deal!

Emmanuel and Julie were looking for an attractive rental property to invest the equity they had accumulated over the years on their home. Several criteria guided their search: they wanted one near...

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Discover the grants available when you become a homeowner.

Did you know…? You can obtain government grants when you purchase your first home. You are entitled to free services concerning energy efficiency (Éconologis) when you are a new homeowner;...

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Make sure you are ready to sign at the notary.

You recently lived the hectic experience of finding a home: negotiating a price, getting the property inspected, preparing the documents needed for your mortgage application. You were also on the...

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Is a line of home equity credit (HELOC) accessible to everyone? Yes, but only if…

If  you need to finance less than 80% of the total value of your property,  you could have a portion of your mortgage in the form of a line of credit. The portion of your mortgage that comprises...

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RATES OF

2024-03-27 00:00:00

TERMS BANKS MORTGAGE PLANNERS
6 months Fixed 7.94% 7.55%
1 Year Fixed 7.89% 6.79%
2 Years Fixed 7.49% 6.14%
3 Years Fixed 7.14% 5.09%
4 Years Fixed 6.99% 4.99%
5 Years Fixed 6.84% 4.89%
5 years Variable 7.65% 6.25%
Refinance Fixed or variable 10.40% 5.19%
3 year closed Variable 8.60% 7.20%
7 Years Fixed 7.10% 5.04%
10 Years Fixed 7.49% 5.79%
HELOC 8.20% 7.70%

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