{ "subreddit": "r/MortgagesCanada", "page": "https://redlisten.com/r/mortgagescanada", "updated": "2026-11-09T06:22:10.961Z", "members": 53737, "activity": { "posts_last_24_hours": 3, "posts_per_hour": 0.3, "comments_per_hour": 9.5, "newest_post_utc": 1794196370.043, "newest_comment_utc": 1794199639.953 }, "top_threads_this_week": [ { "title": "Messed up. Bought a house \"as-is\" with no inspection.", "score": 87, "comments": 366, "created_utc": 1794109359.483, "snippet": "I know! First time buyer. Trusted my realtor and got this house. Two weeks later the roof is leaking from 5-6 spots, i.e., I can visibly see wet spots with some drops. Mould has appeared inside my...", "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xqoxws/messed_up_bought_a_house_asis_with_no_inspection/" }, { "title": "BMO no longer willing to renew with me for my mortgage at prime-1.", "score": 40, "comments": 39, "created_utc": 1793992255.985, "snippet": "BMO originally approved me for 530k mortgage for renewal that's coming up. Come signature time, agent says he wont give it for prime - 1 after the recent rate increase even though my current...", "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xplckz/bmo_no_longer_willing_to_renew_with_me_for_my/" }, { "title": "Federal budget 2026 and housing!", "score": 20, "comments": 6, "created_utc": 1793923687.796, "snippet": "A couple of quick highlights from today's budget announcement. 1. 13 million in funding to the CRA to develop a tool to verify income on mortgage applications. It's gonna several years to come to...", "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xoyjzx/federal_budget_2026_and_housing/" }, { "title": "5 year Bond Yield Dropped in last 1 month", "score": 13, "comments": 12, "created_utc": 1793975478.976, "snippet": "!img Would banks reduce their 5 year offers somewhat, due to the change? I am not seeing a drop - maybe in the next few days?", "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xpe88m/5_year_bond_yield_dropped_in_last_1_month/" }, { "title": "Early renewal Td offer..", "score": 10, "comments": 39, "created_utc": 1793849720.727, "snippet": "Currently with td mortgage with 5.17 rate, term ending on April 1. TD is offering early renewal with 4.82 fixed for 3 years or 4.07 ( prime - 0.78) variable for 5 years. Remaining mortgage is...", "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xo8ja0/early_renewal_td_offer/" }, { "title": "HELOC 65% and 80% Rule", "score": 10, "comments": 11, "created_utc": 1793772845.369, "snippet": "Hi I am trying to understand HELOC ratio. Home value - $500k Remaining Mortgage is $285k How much Revolving HELOC could I qualify for? Your estimated HELOC eligibility Calculation Amount Home...", "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xngu8v/heloc_65_and_80_rule/" }, { "title": "Renewal offer for May 2027 - 5y variable 4.05%, 3y fixed 4.54% - Uninsured", "score": 8, "comments": 29, "created_utc": 1793939278.455, "snippet": "Hello all, We are renewing a mortgage for May 2027 and received renewal offers, most notably, 5y variable 4.05%, 3 year fixed 4.54% and 5 year fixed at 4.59%. This is on a mortgage with 20% down...", "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xp3rib/renewal_offer_for_may_2027_5y_variable_405_3y/" }, { "title": "Variable rate discount today vs waiting until renewal", "score": 6, "comments": 11, "created_utc": 1793733145.214, "snippet": "With TD until July 2027 on a variable p-0.95% with a HELOC balance I was looking to consolidate into my mortgage which has me looking at an early refinance, but with with a penalty of $2500 to TD...", "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xn24is/variable_rate_discount_today_vs_waiting_until/" }, { "title": "An Update & Renewal Offers", "score": 6, "comments": 28, "created_utc": 1793731575.678, "snippet": "5 years are almost up and we rode the wave until we couldnt. Mix of life circumstances put us into poor credit ratings. We were afraid we wouldn't be offered a renewal. A broker steered us to a B...", "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xn1e4h/an_update_renewal_offers/" }, { "title": "We are planning to take over mortgage", "score": 6, "comments": 13, "created_utc": 1793729684.352, "snippet": "We owe 379000, me and wife are currently 25% 25% with my parents 25% 25%. we bought the house originally for 650000 we are 9 years into the mortgage and we are looking to keep the house while they...", "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xn0ivo/we_are_planning_to_take_over_mortgage/" } ], "newest_posts": [ { "title": "Early renewal worth it?", "score": 2, "comments": 1, "created_utc": 1794196370.043, "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xrhnsf/early_renewal_worth_it/" }, { "title": "Mortgage Co-Sign", "score": 2, "comments": 15, "created_utc": 1794154160.189, "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xr1xsp/mortgage_cosign/" }, { "title": "Refinance in Quebec", "score": 1, "comments": 2, "created_utc": 1794147394.939, "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xqzf5c/refinance_in_quebec/" }, { "title": "Is my mortgage broker doing a bad job?", "score": 5, "comments": 30, "created_utc": 1794114043.389, "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xqqbdg/is_my_mortgage_broker_doing_a_bad_job/" }, { "title": "Messed up. Bought a house \"as-is\" with no inspection.", "score": 87, "comments": 366, "created_utc": 1794109359.483, "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xqoxws/messed_up_bought_a_house_asis_with_no_inspection/" }, { "title": "Choosing a Mortgage", "score": 4, "comments": 9, "created_utc": 1794092082.919, "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xqjah0/choosing_a_mortgage/" }, { "title": "When to notarize", "score": 0, "comments": 6, "created_utc": 1794077575.621, "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xqdv3j/when_to_notarize/" }, { "title": "Rate advice", "score": 4, "comments": 16, "created_utc": 1794075575.257, "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xqd2m4/rate_advice/" }, { "title": "Closing question. What to do regarding fix?", "score": 1, "comments": 18, "created_utc": 1794063533.769, "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xq8bow/closing_question_what_to_do_regarding_fix/" }, { "title": "Monoline lenders in Canada", "score": 4, "comments": 6, "created_utc": 1794023861.487, "url": "https://www.reddit.com/r/MortgagesCanada/comments/1xpwv8n/monoline_lenders_in_canada/" } ], "words_this_week": [ { "word": "renewal", "titles": 37 }, { "word": "rate", "titles": 21 }, { "word": "variable", "titles": 11 }, { "word": "fixed", "titles": 10 }, { "word": "early", "titles": 9 }, { "word": "offer", "titles": 8 }, { "word": "bank", "titles": 8 }, { "word": "fthb", "titles": 7 }, { "word": "renew", "titles": 6 }, { "word": "take", "titles": 6 }, { "word": "best", "titles": 6 }, { "word": "heloc", "titles": 5 } ], "preview": "This is a preview. 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