Renewal
Understanding the IRD mortgage penalty in Quebec: why it can hit $15,000
The IRD penalty (interest rate differential) can turn a simple refinance into a five-figure bill. Here is how it is calculated and how to avoid it.
· 5-minute read
Mortgage renewal
Everything to know before re-signing five years with your current lender.
Renewal
Prepare your mortgage renewal in Quebec: the 6-month playbook
Six months before your renewal, the bank will send you a letter. Here is what to do before it lands — to stay in control of the negotiation.
· 3-minute read