Say hello to a new three tier pricing structure for five year fixed rate mortgages. Hi ratio mortgages will still enjoy the lowest rates. 30 year amortization periods for conventional mortgages will be subject to a premium in many cases – up to 0.15%

Rob McLister of Canadian Mortgage Trends has done a tremendous job in capturing all the changes to mortgage rates and structures which took place overnight. A must read.

Tip of the Day

TFSA or RRSP? Could be either depending on your current and future tax situation, and a couple of other factors. I will say the TFSA will often be your correct first choice

— Money Matter № 146
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