Comments for Canadian Mortgage Information

Comment on Save Thousands off of your – IRD Discharge – IRD Penalty – IRD Settlement by Amr

Amr — Wed, 29 Jul 2009 18:19:48 +0000

***Another Trick****
Beside paying lump sum payment to reduce your penalty, there is another trick that worked with TD which reduced my penalty by 8-9%
Before discharging the mortgage, request to change the payment period to weekly payment and double the payment amount. Even if you didn’t really paid the mortgage amount, this will reduce the calculated interest that the bank would get during the remaining period, and this will reduce your IRD.
Just make sure the request the information statement about your new calculated IRD, some bank staff refuse to give it to you and others don’t mind.

Comment on TD First Class Travel Visa Infinite Card by Six Things You Should Avoid Before/While Buying a Home |

Six Things You Should Avoid Before/While Buying a Home | — Thu, 09 Jul 2009 17:58:35 +0000

[...] Even though the inquiry won’t hurt your credit too badly if you already have a good credit score, the additional credit card will cause the lender to question your financial stability for buying a home. This is not the time to be taking advantage of the 20,000 ‘free’ airmiles…. [...]

Comment on What is IRD? by TD Canada Trust Raises Fixed Rates! |

TD Canada Trust Raises Fixed Rates! | — Thu, 18 Jun 2009 17:24:16 +0000

[...] there’s one bright side, it’s that IRD penalties will potentially fall for certain people who are breaking their fixed-rate mortgages [...]

Comment on What is IRD? by Is it too late to refinance your mortgage? | TDCT Mortgage Information

Is it too late to refinance your mortgage? | TDCT Mortgage Information — Fri, 12 Jun 2009 04:49:07 +0000

[...] lending money out at current rates. Most recently the so-called interest rate differential, or IRD, is the larger penalty and the one many lenders [...]

Comment on What is IRD? by TD Canada Trust Raises Fixed Rates! « Canadian Mortgage Information

TD Canada Trust Raises Fixed Rates! « Canadian Mortgage Information — Wed, 10 Jun 2009 01:09:01 +0000

[...] there’s one bright side, it’s that IRD penalties will potentially fall for certain people who are breaking their fixed-rate mortgages [...]

Comment on THE 2009 BRITISH COLUMBIA BUDGET TD Economics by Kees

Kees — Tue, 03 Mar 2009 06:39:11 +0000

Just dropping by.Btw, you website have great content!

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Comment on Change in Residential Mortgage Rates TD Canada Trust by Paul Fraser

Paul Fraser — Thu, 11 Dec 2008 03:53:39 +0000

RBC Bank President Gordon Nixon – Salary $11.73 Million

$100,000 – MISTAKE (FISHERMEN’S LOAN)

I’m a commercial fisherman fighting the Royal Bank of Canada (RBC Bank) over a $100,000 loan mistake. I lost my home, fishing vessel and equipment. Help me fight this corporate bully by closing your RBC Bank account.

There was no monthly interest payment date or amount of interest payable per month on my loan agreement. Date of first installment payment (Principal + interest) is approximately 1 year from the signing of my contract.
Demand loan agreements signed by other fishermen around the same time disclosed monthly interest payment dates and interest amounts payable per month.The lending policy for fishermen did change at RBC from one payment (principal + interest) per year for fishing loans to principal paid yearly with interest paid monthly. This lending practice was in place when I approached RBC.
Only problem is the loans officer was a replacement who wasn’t familiar with these type of loans. She never informed me verbally or in writing about this new criteria.

Phone or e-mail:
RBC President, Gordon Nixon, Toronto (416)974-6415
RBC Vice President, Sales, Anne Lockie, Toronto (416)974-6821
RBC President, Atlantic Provinces, Greg Grice (902)421-8112 mail to:greg.grice@rbc.com
RBC Manager, Cape Breton/Eastern Nova Scotia, Jerry Rankin (902)567-8600
RBC Vice President, Atlantic Provinces, Brian Conway (902)491-4302 mail to:brian.conway@rbc.com
RBC Vice President, Halifax Region, Tammy Holland (902)421-8112 mail to:tammy.holland@rbc.com
RBC Senior Manager, Media & Public Relations, Beja Rodeck (416)974-5506 mail to:beja.rodeck@rbc.com
RBC Ombudsman, Wendy Knight, Toronto, Ontario 1-800-769-2542 mail to:ombudsman@rbc.com
Ombudsman for Banking Services & Investments, JoAnne Olafson, Toronto, 1-888-451-4519 mail to:ombudsman@obsi.ca

http://www.corporatebully.ca
http://www.youtube.com/CORPORATEBULLY

“Fighting the Royal Bank of Canada (RBC Bank) one customer at a time”

Comment on Home Buyers’ Plan (HBP) RRSP Withdraw for First Time Home Buyers by tddavecom

tddavecom — Sun, 23 Nov 2008 03:27:53 +0000

Hey Dave,

Great question, where is the source of your down payment coming from, is it gifted or from savings?

Comment on Home Buyers’ Plan (HBP) RRSP Withdraw for First Time Home Buyers by Dave Fitzpatrick

Dave Fitzpatrick — Fri, 21 Nov 2008 21:09:26 +0000

Hi TD Dave, is one allowed to use the HBP withdrawal to cover their closing costs on the purchase, as WELL as the down payment?

Comment on Keys to Multiple Meetings by Bookmarks about Presentation

Bookmarks about Presentation — Sat, 08 Nov 2008 22:45:08 +0000

[...] – bookmarked by 4 members originally found by qbnito on 2008-10-20 Keys to Multiple Meetings http://tddavecom.wordpress.com/?p=30 – bookmarked by 6 members originally found by xXIchiXRukiXx [...]