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  • Rates

    effective April 18, 2021

    Term Bank Rate Our Rate
    1 Year 3.14 % 1.69 %
    2 Year 3.19 % 1.54 %
    3 Year 3.49 % 1.54 %
    4 Year 3.74 % 1.79 %
    5 Year 4.59 % 1.89 %
    7 Year 5.35 % 2.44 %
    10 Year 5.60 % 2.89 %
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    • Mortgage Changes – March 18 Deadline – Amortization Changes
    • 22FEB
      0 Comments

      Mortgage Changes – March 18 Deadline – Amortization Changes

      Transcript of Video: Coming soon!

      • Posted by Rowan Smith
      • Market Commentary
      More
    • 25APR
      0 Comments

      How Are Mortgage Penalties Calculated?

      I’m getting lots of questions about why bank penalties have fallen in the last three weeks. This blog explains the calculation methodology behind it: Transcript of Video Blog: Hi, everybody. It’s Rowan Smith from the Mortgage Centre. I wanted to address penalties, and interest rate differentials, and three month interest penalties and how it all

      • Posted by Rowan Smith
      • Penalties on Mortgages
      More
    • 19APR
      0 Comments

      CMHC Rule Changes in Effect TODAY

      April 19th, 2010 is the date, and the new mortgage rule changes go into effect today. Our office did a presentation to 50 realtors and clients last week, and below are the three videos that came from it where the changes are discussed at much, much greater length than previously. Enjoy! Transcription of Video Blogs

      • Posted by Rowan Smith
      • Market Commentary
      • Mortgage Insurance
      More
      • 1
      • 2
      • 3

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    Rowan Smith, MBI

    rowan@citywidemortgage.ca
    T: 604-657-6775
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    • "I started City Wide 25 years ago and honestly couldn’t be more proud of what we’ve created. A true collective grou… t.co/opalBiwPZPFri Apr 16 20:33:09 +0000 2021

    • Mortgage Glossary Term: Amortization The gradual retirement of a debt over a certain period of time by means of r… t.co/cilNWcs3GVThu Apr 15 20:16:10 +0000 2021

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    • RT @OSFICanada: The proposal is based on the feedback of previous consultations. When we develop a new rule or adjust existing rules, we al…Wed Apr 14 04:07:36 +0000 2021

    • RT @OSFICanada: Lenders use debt serviceability ratios, e.g. Gross Debt Service and Total Debt Service, to assess a borrower’s capacity to…Wed Apr 14 04:07:23 +0000 2021

    • RT @OSFICanada: It should be noted that if mortgage rates rise, fewer will be affected, if they fall then more will be affected. More info…Wed Apr 14 04:07:06 +0000 2021

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