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Old 10-25-2018, 01:20 PM   #101
Mortgage Made Easy
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I will send you a quick PM shortly... but the variable rates are as low as -1.20%. Will PM questions and details within an hour.
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Old 12-12-2018, 10:41 AM   #102
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I will send you a quick PM shortly... but the variable rates are as low as -1.20%. Will PM questions and details within an hour.
What are rates looking like these days for five year fixed and variable? Would you lock in a fixed rate given the economy?
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Old 12-12-2018, 01:23 PM   #103
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What are rates looking like these days for five year fixed and variable? Would you lock in a fixed rate given the economy?
As of today, fixed rates range from 3.49% to 3.99% and 2.75% to 3.30% for variable.

The reason for the range is it depends on a number of factors:
- purchase
- refinance
- renewal / switch
- etc...

As for choosing a fixed vs variable... or locking into a fixed if you have variable? Really depends on your situation as this choice is personal and is not the same decision for everyone.

If you would like to discuss options or how you can benefit from what you currently have or would like to have... please do not hesitate to call 403-648-1541.

Here is a great article that was recently posted that can give some insight.

The bond market is now sending a clear signal: Go with a variable-rate mortgage
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Old 02-26-2019, 08:16 PM   #104
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Current Rates to Open Week Feb 25, 2019

Prime Rate - 3.95%

Special Rate Offers

3 Year Fixed - 3.39% High Ratio Purchase, Owner Occupied, Close in 45 days (90% lTV in AB max)

5 Year Fixed - 3.29% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 3.49%
3 Year Fixed - 3.39% * High Ratio
4 Year Fixed - 3.59%
5 Year Fixed - 3.29% to 3.49% * High Ratio
5 Year Fixed - 3.49% to 3.59% * Conventional

5 Year ARM/VRM - 3.20%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 3.59% - 3.69%

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

OAC, some terms and conditions may apply, rates subject to change without notice
__________________
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Mortgage. Made Easy Experts
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 03-11-2019, 09:32 AM   #105
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Current Rates to Open Week Mar 11, 2019

Prime Rate - 3.95%

Special Rate Offers

3 Year Fixed - 3.29% High Ratio Purchase, Owner Occupied, Close in 45 days (90% lTV in AB max)

5 Year Fixed - 3.23% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:
2 Year Fixed - 3.49%
3 Year Fixed - 3.39% * High Ratio
4 Year Fixed - 3.59%
5 Year Fixed - 3.23% to 3.44% * High Ratio
5 Year Fixed - 3.34% to 3.59% * Conventional

5 Year ARM/VRM - 3.20%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 3.54% - 3.64%

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
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 03-18-2019, 08:04 AM   #106
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Current Rates to Open Week Mar 18, 2019

Prime Rate - 3.95%

Special Rate Offers

3 Year Fixed - 3.14% High Ratio Purchase, Owner Occupied

5 Year Fixed - 3.14% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 3.24% * High Ratio
4 Year Fixed - 3.41%
5 Year Fixed - 3.14% to 3.39% * High Ratio
5 Year Fixed - 3.39% to 3.49% * Conventional

5 Year ARM/VRM - 3.20%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 3.39% - 3.49%

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
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 04-01-2019, 08:23 AM   #107
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Current Rates to Open Week April 1, 2019

Prime Rate - 3.95%

Special Rate Offers

3 Year Fixed - 3.14% High Ratio Purchase, Owner Occupied

5 Year Fixed - 2.94% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 3.14%
4 Year Fixed - 3.24%
5 Year Fixed - 2.94% to 3.19% * High Ratio
5 Year Fixed - 3.24% to 3.34% * Conventional

5 Year ARM/VRM - 3.20% - 3.00%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 3.24% - 3.34%

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
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 04-08-2019, 09:20 AM   #108
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Current Rates to Open Week April 8, 2019

Prime Rate - 3.95%

Special Rate Offers

3 Year Fixed - 3.14% High Ratio Purchase, Owner Occupied

5 Year Fixed - 2.94% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)

5 Year ARM/VRM - 2.75% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 3.14%
4 Year Fixed - 3.24%
5 Year Fixed - 2.94% to 3.19% * High Ratio
5 Year Fixed - 3.24% to 3.34% * Conventional

5 Year ARM/VRM - 3.20% - 3.00%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 3.24% - 3.34%

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
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 06-05-2019, 06:42 AM   #109
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Current Rates to Open Week June 3, 2019

Prime Rate - 3.95%

Special Rate Offers

5 Year Fixed - 2.69% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

5 Year ARM/VRM - 2.70% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 2.96%
4 Year Fixed - 3.09%
5 Year Fixed - 2.69% to 2.89% * High Ratio
5 Year Fixed - 2.69% to 2.89% * Conventional

5 Year ARM/VRM - 2.70% - 3.00%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.89% - 3.14%

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
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 08-08-2019, 08:31 AM   #110
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Current Rates to Open Week Aug 5, 2019

Prime Rate - 3.95%

Special Rate Offers

5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

5 Year ARM/VRM - 2.70% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 2.89%
4 Year Fixed - 2.94%
5 Year Fixed - 2.49% to 2.74% * High Ratio
5 Year Fixed - 2.64% to 2.89% * Conventional

5 Year ARM/VRM - 2.70% - 3.05%

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
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 08-21-2019, 02:50 PM   #111
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Why have all of the rates dropped significantly from Feb - Aug, despite Prime being unchanged? Is that typical as we progress through the calendar year?

Last edited by The Fonz; 08-21-2019 at 02:54 PM.
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Old 08-21-2019, 02:58 PM   #112
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Originally Posted by The Fonz View Post
How come we're seeing a drop in Refinance Rates from 3.65% in February, to 2.85% in August?
The economy is not performing like the economists predicted... shocking. Which is affecting the 5 Year Bond yield which is an indicator of where fixed rates go (not variable).


In February, the bond yield was up in the 1.80% - 1.90% range and as of today it is 1.28%. That is approx. 0.60% difference along with the Spring market competition (which has not slowed down)... rates have decreased.

If you have a specific question... please PM, email tim@timlacroix.com or call 403-648-1541.
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Mortgage. Made Easy Experts
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 09-13-2019, 08:55 AM   #113
Mortgage Made Easy
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** Rates are on the Rise - Some lenders have increased Rates - 5-Year Bond Yield continues to rise **


Current Rates to Open Week Sept 9, 2019

Prime Rate - 3.95%

Special Rate Offers

5 Year Fixed - 2.39% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

5 Year ARM/VRM - 2.70% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 2.89%
4 Year Fixed - 2.94%
5 Year Fixed - 2.39% to 2.69% * High Ratio
5 Year Fixed - 2.59% to 2.79% * Conventional

5 Year ARM/VRM - 2.70% - 3.05%

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
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 10-07-2019, 01:56 PM   #114
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Current Rates to Open Week Oct 7, 2019

Prime Rate - 3.95%

Special Rate Offers

5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

5 Year ARM/VRM - 2.70% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 2.69% * High Ratio
4 Year Fixed - 2.69% * High Ratio
5 Year Fixed - 2.54% to 2.79% * High Ratio
5 Year Fixed - 2.69% to 2.89% * Conventional

5 Year ARM/VRM - 2.70% - 3.05%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.89% - 2.99%

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
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 10-15-2019, 08:22 AM   #115
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Current Rates to Open Week Oct 14, 2019

Prime Rate - 3.95%

Special Rate Offers

5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

5 Year ARM/VRM - 2.70% High Ratio Purchase or Switch Only, Owner Occupied, Close in 90 days (some restrictions)


Full Feature Rates -- 90 to 120 day rate protection
Starting at:

3 Year Fixed - 2.69% * High Ratio
4 Year Fixed - 2.69% * High Ratio
5 Year Fixed - 2.54% to 2.79% * High Ratio
5 Year Fixed - 2.69% to 2.84% * Conventional

5 Year ARM/VRM - 2.70% - 3.10%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.89% - 2.99%

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
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 12-12-2019, 11:47 AM   #116
Mortgage Made Easy
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Current Rates to Open Week Dec 9, 2019

Prime Rate - 3.95%

Special Rate Offers

5 Year Fixed - 2.54% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

5 Year ARM/VRM - 2.70% 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 - 2.69% * High Ratio
4 Year Fixed - 2.69% * High Ratio
5 Year Fixed - 2.54% to 2.74% * High Ratio
5 Year Fixed - 2.69% to 2.84% * Conventional

5 Year ARM/VRM - 2.70% - 3.10%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.89% - 2.99%

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
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 03-03-2020, 09:54 AM   #117
Mortgage Made Easy
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Current Rates to Open Week Mar 2, 2020

Prime Rate - 3.95%

Special Rate Offers

5 Year Fixed - 2.49% High Ratio Purchase or Switch Only, Owner Occupied, Close in 60-90 days (some restrictions)

5 Year ARM/VRM - 2.70% 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 - 2.69% * High Ratio
4 Year Fixed - 2.79%
5 Year Fixed - 2.49% to 2.64% * High Ratio
5 Year Fixed - 2.64% to 2.79% * Conventional

5 Year ARM/VRM - 2.70% - 3.10%

HELOC Rates Prime +0.50%

Refinance Rates
5 Year Fixed - 2.79% - 2.99%

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
Mortgage Connect
www.TimLacroix.com

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

Click here to View current Mortgage Rates

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Old 03-04-2020, 02:29 PM   #118
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Any idea whether the banks will pass on the full 50 bps from the BOC rate cut announced earlier today?
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Old 03-04-2020, 05:47 PM   #119
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Any idea whether the banks will pass on the full 50 bps from the BOC rate cut announced earlier today?
The answer is YES, we just got word that RBC has lowered their Prime to 3.45%. This means other lenders will follow suit.
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Mortgage. Made Easy Experts
Mortgage Connect
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Old 03-05-2020, 10:08 AM   #120
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Not that i'm impatient or anything; but how come ATB hasn't adjusted yet?
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