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The Following changes are for High Ratio Mortgages i.e. mortgages with less than 20% down payment.
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Rates Last Updated : January 13, 2011
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When your mortgage term is over and your mortgage is up for renewal you have some options.  Your current lender will send you an renewal agreement outlining the terms and conditions of the new products they are offering you.
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What is Mortgage Refinance?

A Mortgage Refinance is remortgaging your existing mortgage by using the equity in your home.  For example; you have a mortgage of $200,000.00 and a home worth $400,000.00. You can borrow up to 90% of your home value, in this case up to $360,000.00 ($400,000.00 x .90%).  Your new mortgage will be the $200,000.00 plus the extra money you take out.

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Toronto Mortgage Rates and products constantly change. The Toronto market is more competitive than ever. With one phone call or email to Robert, you can be tapped into the newest information in the mortgage market.
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Bank of Canada Governor Mark Carney kept his benchmark interest rate at 1 per cent Tuesday, saying threats to the global recovery have increased, expressing concern about the rebound for Canadian exports and reiterating that further rate hikes would have to be “carefully considered.”
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