Blog

Home Inspections

Posted by CENTUM Canada on August 4, 2016
Home Inspections What are their purpose and why are they important? The purpose of a home inspection is to reveal any defects or flaws that a property has, so that potential buyers can make an informed decision and avoid costly surprises down the road. During an inspection, the inspector will investigate every room in the home to identify and assess possible underlying health and safety ...

Standard Charge VS Collateral Charge Mortgages

Posted by CENTUM Canada on July 19, 2016
Standard Charge VS Collateral Charge Mortgages When you need a loan to purchase a property, your bank or lender will require security for repayment in the form of a charge that is registered at your provincial land registry office. This process secures the residential mortgage loan to your property, and gives your lender certain rights as it relates to the terms of your agreement. There are ...

The Prime Rate

Posted by CENTUM Canada on June 30, 2016
The Prime Rate & Regulation Changes   In Canada, mortgages are directly impacted by the prime rate and mortgage regulations established by Government. In the last decade, a drastic drop in the prime rate, coupled with the introduction of new regulations, have enabled consumers to take on more manageable debt loads. The prime rate is the interest rate that commercial banks ...
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Term Our Rate Bank Rate
3 Year Fixed 2.20% 4.35%
5 Year Fixed 2.29% 5.14%
5 Year Variable 2.20% 3.85%
Updated : August 24, 2016
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