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Old 03-05-2020, 10:11 AM   #121
Mortgage Made Easy
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Quote:
Originally Posted by Ace View Post
Not that i'm impatient or anything; but how come ATB hasn't adjusted yet?
It can take lenders a few days to adjust their Prime rate. And it will always go into affect for the following month. So for March your current mortgage will still be at 3.95% (typically).

if it is a new mortgage, the change should be coming shortly.
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Old 03-10-2020, 08:32 PM   #122
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My mortgage providers have both cut their prime rates to 3.45%. I read an article that talked about future BOC rate cuts and the consensus seems to be that by this summer the lending rate could be down to 0.5% or even zero. If it managed to get to zero what would the prime rate at banks look like? 2%?
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Old 03-10-2020, 08:57 PM   #123
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Current Rates to Open Week March 9, 2020

Prime Rate - 3.45% DECREASE by 0.50%

Special Rate Offers

5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

5 Year ARM/VRM - 2.35% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 60 to 120 day rate protection
Starting at:

3 Year Fixed - 2.44% * High Ratio
4 Year Fixed - 2.54%
5 Year Fixed - 2.29% to 2.44% * High Ratio
5 Year Fixed - 2.49% to 2.69% * Conventional

5 Year ARM/VRM - 2.45% - 2.75%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.59% - 2.69%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 03-13-2020, 07:24 AM   #124
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HEADS UP - WARNING

If you are looking at variable rates in the coming months for a purchase or renewal of your mortgage... do so ASAP.

A few lenders have started to change the discounts offered on the Prime rate. Currently we have seen a couple of lenders increase their discounts by as much as 0.25%. Meaning, -1.00 discounts are now 0-.75%.

If you have questions or are considering variable rates... we can hold them for 120-days giving you time to decide... and always can switch to the low fixed rates prior to closing. I can be reached by phone / text 403-479-0066 or tim@timlacroix.com
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Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 03-13-2020, 01:26 PM   #125
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Quote:
Originally Posted by Mortgage Made Easy View Post
HEADS UP - WARNING

If you are looking at variable rates in the coming months for a purchase or renewal of your mortgage... do so ASAP.

A few lenders have started to change the discounts offered on the Prime rate. Currently we have seen a couple of lenders increase their discounts by as much as 0.25%. Meaning, -1.00 discounts are now 0-.75%.

If you have questions or are considering variable rates... we can hold them for 120-days giving you time to decide... and always can switch to the low fixed rates prior to closing. I can be reached by phone / text 403-479-0066 or tim@timlacroix.com
Does this change now that BoC cut rates further? I suspect variable rates would fall but a portion of the cut will be kept by banks.

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Old 03-13-2020, 01:35 PM   #126
Mortgage Made Easy
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Quote:
Originally Posted by Izzle View Post
Does this change now that BoC cut rates further? I suspect variable rates would fall but a portion of the cut will be kept by banks.

Sent from my Nexus 6P using Tapatalk
We will now wait to see if the lenders reciprocate by dropping their rates and just by how much???

I do know that the discounts are going increase due to the changes that already have happened... meaning Prime - 1.00% will be decreasing to -.80% approx. Some lenders have already started.
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Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 03-14-2020, 08:55 AM   #127
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Rates have started to move... Friday evening Scotia made a big move!
- Scotia increase to fixed rates by 0.25%
- Scotia decrease in variable rate discounts from -0.70% to -0.10%

- Equitable Bank decrease in variable rate discounts from -1.00% to -0.25%

And a few other went from -1.00 to -0.80%.
And a couple other non-banks increase fixed by 0.10%

I would image we will see more announcements on Monday. If you are interested in securing some rates for the next 120-days... please PM me as I am working over the weekend to assist my fellow Beyond members. Or email tim@timlacroix.com.
-
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Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 03-28-2020, 08:34 AM   #128
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Current Rates to Open Week March 30, 2020

Prime Rate - 2.45% -----> DECREASE by 1.50%

PROMOTIONS

5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

5 Year Fixed - 2.39% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

5 Year ARM/VRM - 2.30% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60 days (some restrictions)


Full Feature Rates -- 60 to 120 day rate protection
Starting at:

3 Year Fixed - 2.49% * High Ratio
4 Year Fixed - 3.09%
5 Year Fixed - 2.29% to 2.69% * High Ratio
5 Year Fixed - 2.69% to 2.94% * Conventional

5 Year ARM/VRM - 2.40% - 2.65%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 3.09% - 3.19%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 04-20-2020, 09:46 AM   #129
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Current Rates to Open Week April 20, 2020

Prime Rate - 2.45%

PROMOTIONS

5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

5 Year ARM/VRM - 2.10% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60 days (some restrictions)


Full Feature Rates -- 60 to 120 day rate protection
Starting at:

3 Year Fixed - 2.49% * High Ratio
4 Year Fixed - 2.99%
5 Year Fixed - 2.49% to 2.69% * High Ratio
5 Year Fixed - 2.69% to 2.94% * Conventional

5 Year ARM/VRM - 2.30% - 2.45%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.94% - 3.04%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 04-27-2020, 08:11 AM   #130
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Current Rates to Open Week April 27, 2020

Prime Rate - 2.45%

PROMOTIONS


5 Year Fixed - 2.39% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


5 Year ARM/VRM - 2.10% High Ratio Purchase or Switch Only, Owner Occupied, Close in 120 days (some restrictions)

-------

Full Feature Rates up to 120 day rate protection
Starting at:

3 Year Fixed - 2.39% * High Ratio

5 Year Fixed - 2.54% to 2.69% * High Ratio
5 Year Fixed - 2.54% to 2.89% * Conventional

5 Year ARM/VRM - 2.10% - 2.45%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.79% - 2.89%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 05-12-2020, 07:00 AM   #131
Mortgage Made Easy
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Current Rates to Open Week May 11, 2020

Prime Rate - 2.45%

PROMOTIONS


5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


5 Year ARM/VRM - 2.05% High Ratio Purchase or Switch Only, Owner Occupied, Close in 120 days (some restrictions)

-------

Full Feature Rates up to 120 day rate protection
Starting at:

3 Year Fixed - 2.29% * High Ratio

5 Year Fixed - 2.39% to 2.54% * High Ratio
5 Year Fixed - 2.59% to 2.79% * Conventional

5 Year ARM/VRM - 2.25% - 2.45%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.79% - 2.89%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 05-20-2020, 06:27 AM   #132
Mortgage Made Easy
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Current Rates to Open Week May 18, 2020

Prime Rate - 2.45%

PROMOTIONS


5 Year Fixed - 2.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


5 Year ARM/VRM - 2.05% High Ratio Purchase or Switch Only, Owner Occupied, Close in 120 days (some restrictions)

-------

Full Feature Rates up to 120 day rate protection
Starting at:

3 Year Fixed - 2.29% * High Ratio

5 Year Fixed - 2.29% to 2.54% * High Ratio
5 Year Fixed - 2.59% to 2.79% * Conventional

5 Year ARM/VRM - 2.15% - 2.45%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.59% - 2.69%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 06-02-2020, 07:15 AM   #133
Mortgage Made Easy
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Current Rates to Open Week June 1, 2020

Prime Rate - 2.45%

PROMOTIONS


5 Year Fixed - 2.24% High Ratio Purchase or Switch Only, Owner Occupied, Close in 45 days (some restrictions)

5 Year Fixed - 2.34% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

5 Year ARM/VRM - 1.95% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-120 days (some restrictions)

-------

Full Feature Rates up to 120 day rate protection
Starting at:

3 Year Fixed - 2.19% * High Ratio

5 Year Fixed - 2.24% to 2.49% * High Ratio
5 Year Fixed - 2.49% to 2.79% * Conventional

5 Year ARM/VRM - 2.00% - 2.35%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.54% - 2.79%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 06-08-2020, 09:17 AM   #134
Mortgage Made Easy
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Current Rates to Open Week June 8, 2020

Prime Rate - 2.45%

PROMOTIONS

5 Year Fixed - 2.09% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

5 Year ARM/VRM - 1.85% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-120 days (some restrictions)

-------

Full Feature Rates up to 120 day rate protection
Starting at:

3 Year Fixed - 2.19% * High Ratio

5 Year Fixed - 2.24% to 2.49% * High Ratio
5 Year Fixed - 2.49% to 2.79% * Conventional

5 Year ARM/VRM - 2.00% - 2.35%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.54% - 2.79%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 06-22-2020, 07:56 AM   #135
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Current Rates to Open Week June 21, 2020

Prime Rate - 2.45%

PROMOTIONS

5 Year Fixed - 2.09% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

5 Year ARM/VRM - 1.85% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-120 days (some restrictions)

-------

Full Feature Rates up to 120 day rate protection
Starting at:

3 Year Fixed - 2.19% * High Ratio

5 Year Fixed - 2.19% to 2.34% * High Ratio
5 Year Fixed - 2.24% to 2.44% * Conventional

5 Year ARM/VRM - 2.00% - 2.25%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.44% - 2.59%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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Old 06-29-2020, 09:43 AM   #136
Mortgage Made Easy
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Current Rates to Open Week June 29, 2020

Prime Rate - 2.45%

PROMOTIONS

5 Year Fixed - 1.99% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-129 days (some restrictions)

5 Year ARM/VRM - 1.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90-120 days (some restrictions)

-------

Full Feature Rates up to 120 day rate protection
Starting at:

3 Year Fixed - 2.19% * High Ratio

5 Year Fixed - 2.19% to 2.24% * High Ratio
5 Year Fixed - 2.24% to 2.44% * Conventional

5 Year ARM/VRM - 2.00% - 2.25%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.44% - 2.59%

Call or PM for MORE "UnPublished" rates or other term information.

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
Thanks,
Tim Lacroix | 403-648-1541
Mortgage. Made Easy Experts
Kardia Mortgage Inc
www.TimLacroix.com

If you have any questions please feel free to PM me or email calgarypuck@kardiamortgage.com

Click here to View current Mortgage Rates

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