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current rates

1 yr. closed	4.90
2 yr. closed	5.24
3 yr. closed	5.25
4 yr. closed	5.40
5 yr. closed	5.35
7 yr. closed	5.29
10 yr. closed	6.10
Variable Rate	4.00
Prime	4.75

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FAQ

General
- Do I have to pay a penalty if I break my mortgage term and what will it be?
- How secure is it to apply online?
- Why do I need a pre-approval and how do I get one?
- What can I do if I have a variable interest rate and interest rates start to increase?
- How do I negotiate for a lower mortgage rate?
- What is the minimum down payment that I need to purchase a home?
- Can I obtain a mortgage to purchase a home and do renovations at the same time?
- Do I have to wait until my mortgage matures to start shopping for rates?
- What is the amortization? And how can I decrease this?
- Does paying bi-weekly really cut years off my mortgage?
- What is the difference between a Fixed Rate Mortgage and a Variable Rate Mortgage?
- Can I take out Equity in my home to consolidate non mortgage debts?
- Why should I use an accredited mortgage professional and How much does it cost?
- What is a high ratio or insured mortgage by CMHC or GENWORTH?
- Can I still obtain a mortgage if I have been bankrupt?
- Should I take a short-term mortgage or a long-term mortgage?
- What is the difference between an Open and Closed mortgage?
- Is it important to insure my mortgage with life and disability insurance and should I obtain this from the bank that I receive the mortgage?
- When is it a good idea to consider breaking my closed mortgage and pay the penalty?
- Should I pay off my mortgage or purchase an RRSP with any extra funds I have?
- What are prepayment options?