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Tag: Financing Option

How To Compare Mortgage Rates? Bank Of Canada Report Discounting In Mortgage Markets

Mortgage rate comparison seems to be a hectic job although there are various places online where you can get all the current mortgage offers to compare Canadian mortgage rates from best mortgage companies, banks, credit unions and brokers on a single place. To make sure you are getting the best mortgage rates, you should research lot of such places to reconfirm and compare mortgage rate along with the features and benefits of some of the great companies of your choice.

Why should I compare mortgage rates?

Homebuyers who compare mortgage rates and interact with the loan officer while explaining their financial situation to find out the best option accordingly during the pre-approval process are more likely to secure an affordable and competitive financing option. Usually all the mortgage seekers get the different rate on their mortgages. As mortgage interest rate can be affected by individual’s personal situation and particular needs, and if you are looking to get best mortgage for you, you should compare all of your options. According to The Bank of Canada: “those who compare mortgage rates do get better deals on their mortgages”, that’s why always shop around to get savings on your mortgages.

How can I get best mortgage rates?

Compare Mortgage Rates CanadaBank of Canada has already laid down its findings for the general public, according to its report Discounting in Mortgage Markets in which it examined insured Canadian mortgages from the 1990 to 2004 and concluded the difference between the discount rates consumers received was always increasing. Here’s the study that shows how homebuyers and refinancers can improve their chances of securing a low mortgage rate:

  • Customers got the best rates by working with a qualified mortgage broker.
  • Asking mortgage lenders about preferential rates based on loyalty, age and finances.
  • Purchasing a home in a neighbouring community (those who live outside cities usually get better deals).

When you’re looking to buy or refinance home, you should always spend some time to research, Discounting in Mortgage Markets study clearly states; posted bank mortgage rates are best options as these offers mostly same rates but it’s the negotiating that enables mortgage brokers to provide their customers lower rates on their mortgages.

How to compare mortgage rates online is just a click away, give some time to the online environment to get the power to make an educated decision. After rate comparison, you may select some of the mortgage brokers to contact them personally. It will help you in getting best mortgage deal while negotiating the deal, talk to a mortgage expert to improve your chances of getting an affordable mortgage loan product.


Mortgage Refinancing in Canada! Why Should I Refinance Now?

Due to the global economic downturn that forced down the prime rates to its historically lowest value, mortgage rates have dropped considerably in recent few weeks, which have created an atmosphere to think about mortgage refinancing not even in Canada but throughout the world. UK as a leading financial institution could not even save its strong financial footing to become part of this global issue.

Why Refinance Your Mortgage?

This historical lowest interest rate availability does not mostly affect any loan product with a smaller value and term but most of the borrowers find refinancing their mortgage is the best financing option to get saving on long-term liability, although this rewarding review will only be adopted by small number of homeowners who will find considerable savings in relation to the incurred expenses lying with the process of refinance. Mortgage Refinancing refers to the paying off an existing mortgage and replacing it with a new one.

Obviously, the biggest reason to refinance your mortgage is to reduce your monthly mortgage payment. Following may be the most common reasons among borrowers who may adopt mortgage refinance strategy:

  • Lowering monthly payment to improve cash flow and savings (if you are refinancing at a lower interest rate, you will be charged less interest every month),
  • Re-spreading out your loan over another number of years (depending on the term you choose),
  • Setting up a home equity line of credit,
  • Consolidating high-cost consumer debt, like car loans, student loans, credit cards or other personal loans,
  • Improving home while taking advantage of the new federal home renovation tax credit.

Should I Break My mortgage For A Lower Rate?

Mortgage Refinancing is a strategic financial decision that requires a professional know how of a mortgage expert to pick the best deal among various available options. A key element in evaluating any refinancing option is calculating the prepayment penalty that the mortgage usually requires to be paid by the borrower as a penalty in case if it is paid off the mortgage in full before the maturity date. The penalty is usually based on the remaining mortgage term and difference between the mortgage rate being paid and the current rate of mortgage being offered by the lender. Generally speaking, the shorter your remaining terms the smaller the penalty, and longer the term left on your mortgage, the greater the prepayment penalties.

Moreover, if the Canadian Mortgage and Housing Corporation insure your mortgage, you pay a maximum penalty of three months interest after the third anniversary date of the interest adjustment period, or after the third anniversary date from your most recent renewal.

Where To Find The Best Mortgage Refinancing Practical Assistance?

Obviously, if you decide to refinance, you are required to contact a mortgage expert, you may find it online and offline with great ease because lot of ad campaigns are continue highlighting this current demanding lower rates issue, shop around by calling several lending institutions to ask what interest and fees they charge. Remember, you don’t have to refinance your mortgage with the same lender that provided your original mortgage. Otherwise, you may check with the Better Business Bureau for the refinancing tips, which it has specially compiled to help you decide if refinancing is for you in the current financial situation along a reliability report on lending institutions you’re considering.


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