What is the five year fixed mortgage rate you get?

[笑傲江湖]

That is an absolutely great rate!

最初由 kool 发布
4.25% for me 5 yrs fixed

 

[kool]

最初由 xyz139 发布
That is an absolutely great rate!

because I am Kool :smokin: :smokin:

normally, bank and brokers will give u 1% off from posting rate..as I know, if you are value customer for ur bank and you want to have more discount, then branch manager or ur personal banker have to apply to the headoffice, then possible to get 0.25% off again..But for me, it was 1.55% off..:smokin:

 

[笑傲江湖]

1.55% off Scotia Bank posted rate, wow :love: :love: :love: You are really

最初由 kool 发布
because I am Kool :smokin: :smokin:
normally, bank and brokers will give u 1% off from posting rate.....then possible to get 0.25% off again..But for me, it was 1.55% off..:smokin:

 

[kool]

better know people around..hehehe nxt time if u need any good deal. let me know..

 

[笑傲江湖]

Sure, I will contact you when closer to my closing date... Thank you in advance.

最初由 kool 发布
better know people around..hehehe nxt time if u need any good deal. let me know..

 

[挺傻]

最初由 xyz139 发布
In one or two years, it is good, but later on, I don't know (depends on your conversion rate and the term as well)since we all know the prime will go up for sure, how much??? I don't know... If you are a risk-taker, you might want to consider it; otherwise, stay away from it.

我觉得还应改考虑一个问题就是当MORTGAGE 无论三年还是五年期满的时候，需要renew mortage,将会面临很大的利率风险。因为前三或五年本金并没有偿还多少，也就是说再次renew的时候基数仍然很大，如果处在利率增长的市场情况下，风险更大。
所以采用laddering mortgage的方式可以减少利率的风险，将一个大的MORTGAGE分散到几个小的，采用不同的；利息方式，时间长短，可以分散风险。
如果有具体的实例，我们可以再进一步讨论。

 

[笑傲江湖]

Mortgage rates are decreasing about 0.15%...

 

[笑傲江湖]

Share the Lower Rates

3 year fixed @ 4.35%,
http://www.kellymortgages.com/calculator.html

the 5 year fixed is @ 4.84%
http://www.yourmortgage.ca/bestrates.asp?205155-801149-2144

 

[笑傲江湖]

Re: Share the Lower Rates

the 5 year fixed is @ 4.74% as of Dec 8/04
http://www.yourmortgage.ca/bestrates.asp?205155-801149-2144

 

[Sarah Sarah]

5 year rate: 4.7%
1 YEAR RATE: 3.6%

 

[dhl]

god,Scotia bank decreased mortgage rates 10bps again.

 

[笑傲江湖]

I found a website matches your rates:

http://www.tmacc.com/

Then click on the mortgage rates

最初由 Sarah Sarah 发布
5 year rate: 4.7%
1 YEAR RATE: 3.6%

 

[zhzh]

Kool
You get the discount from which branch ? The rate is very good :love: :love: ,

最初由 kool 发布


because I am Kool :smokin: :smokin:

normally, bank and brokers will give u 1% off from posting rate..as I know, if you are value customer for ur bank and you want to have more discount, then branch manager or ur personal banker have to apply to the headoffice, then possible to get 0.25% off again..But for me, it was 1.55% off..:smokin:

 

[笑傲江湖]

5 year rate: 4.65%
1 YEAR RATE: 3.6%

 

[No-name]

最初由 xyz139 发布
5 year rate: 4.65%
1 YEAR RATE: 3.6%

xyz139,能告诉我你在哪里找到"5 year rate: 4.65%"的吗?

谢谢!