I got talked down from 25% down to 20% + changed my payment terms from bi-weekly to bi-monthly this last December and the lender even paid the CMHC fee (or whatever insurance fee, broker said there's two options) by me agreeing to do it. I didn't mind the freeing of my cash flow so I agreed to it. Once I sell my other property (buyer in place dealing with idiotic paper work), I'm increasing the bi-monthly repayment amounts significantly.
Anyone else notice the paper work is crazier recently? My broker said that my first property (2012) was like half an inch of paper for requirements. This mortgage (2015) was over 2 inches of stuff.
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