Normally you would have a 5-year fixed mortgage meaning you will renew in 5 years. Check your mortgage statement as it shows when it will be due for renewal. 3 months before the renewal you can start looking and check if there are other lenders who would give you a better rate or mortgage package.

ON Canada, Sept 11, 2011 - Current fixed rates are at the lowest and this makes housing more affordable. Variable rates on the other hand is around 2.4% while fixed are at 3.19%. The difference between the two rates is low or $ 39 for 25 years for each 100K of loan. Having the peace of mind of equal payments vs. low and volatile rates, the fixed rate may be a better option at this point in time. It could change next month. Email me at victor_catalan@centum.ca if you need further assistance on this matter.

You can leave the bank or get another fixed rate mortgage. When the term is up you are free to do what ever you want and I until you make the decision the bank will have your mortgage at variable open rate.

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A year ago we moved to ga from las vegas. had trouble selling the vegas home, so we kept it as a rental. we've now come to the end of our fixed term on that morgage. our morgage company is not willing to refinance because it is a rental. we are not making any money off of this home, and are desperate to either refinance or get out.

They financed it before, why not now? I use Wells Fargo as much as possible, which is only 10 units, but better then nothing. They are great.

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Hi, im really confused, i have a morgage at a fix rate and i currently pay 479 a month, once the fix rate term ends i will have to pay 647 since getting a morgage we have come into financial difficulties and the cab have helped us to get back on track, so affording the 647 will not be a problem, however i want advice weather it would be worth shopping aroung for another lender at another fixd rate, but we both now have poor credit ratings and also 1 ccj. help im confused do we just stick to the lender were with and pay our debt and get a better crediting rating befor lookong aroung.

contact current lender see what they can offer, also interest rates 'should' be coming down at regular intervals over the next year or eighteen months so a fixed rate might not be great!! But then again you may want the security of knowing what you are paying each month!! Its upto you!!! Good luck!!!

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I am sure i am going to get answers from some of you that are typical,. but what i really am after is some closure. i have been married for 4 years and with my love for 6. i have two beautiful step-daughters who i have raised for this whole time as well. ages 7 and 10. at the beginning of feb. my wife and i had one to many dissagreement's and well, thats when the life that i had changed forever in the blink of an eye. i have been the first to admit that i had got on a path that was not healthy for our relationship and although i take credit for getting us there she was indeed right beside me. no physical abuse ever (from me at least) there was obviously yelling at each other and the battle of wills that developed between us. ultimately she decided that she no longer should have to live in a world that was so unhappy. a big problem with this i have is, i didnt want to either. i was just as worn out and sick of the situation as she . it was one of the times in a relationship where it had hit a spot and never could get past it. instead of stepping forward we had been stepping backward. we both knew it. problem was we didnt know how to fix it or get past the hump. going into this winter i knew it was going to be a stuggle. i am a self employeed concrete contractor and in iowa in the winter there really isnt much concrete to pour.. i of course know tis so i make investments to flip for proffit in the winter. its a good way to make money but its also very stressful not knowing when or if the thing you have ready to sell will sell. many of times i would be sent a buyer on the last possible day before payments were due on stuff. make a long story shorter i was not a partner to my wife as i should have been. i knew this when it was happening but didnt understand why she couldnt understand that i had bills to pay and sacrifices had to be made in the short term so in the long term we could be happier. it had got to a point i really had lost faith in her. that was until the day i looked into her eyes and could she how much she was hurting as she told me she was moving out. i knew then at that very moment that i had just lost my solemate. its been almost 2 months now and everyday i cry when i think about them. i cant seem to get the fact she has lost the love she had and is unwilling to let her heart come back. she moved into a second home we had as an investment property, i had been paying the morgage for two homes for three years. i am glsd she is in a good home and i am glad she can feel safe. alot has happened since that day she told me she was done. i had hit rock bottom and have not been able to get the want or the motivation to get on with life. my life is and always had been with her. i was to take care of her needs and take care of her girls in all aspects, i tried but in the end i failed because i tried to hard. there is now a no contact order on me. she was told by her mother and lawyer to place one on me so she could have full control of the house she moved into. i have not been to good with this . i have a real problem with the fact i did nothing at all to warrant a no contact order nothing but try to get my family back. i know have my wife completely against me. she has been completely brainwashed by people around her. i believes she actually thinks that i am going to harm her. i would never in a m,illion years lay a finger on her. anyway its her way of hiding from the issues at hand. i know her and i know how she works. out of site out of mind. she has moved on and left me in the life she left behind. i have cops at my house daily trying to arrest me for violation of order. now i admit that i have done this once or twice sent her a text message or a quick phone call to say hi. but its got out of hand. she is to the point where she is actually aiding and embedding in getting me to violate the order. each violation carries a manditory 7 day jail. make one call boom 7 day. the crime doesnt fit the punishment. as i said i have done nothing to this woman but love her. her mother is behind this and she is out to distroy me. her mother has a great influence on her now that i am out of picture. she talked to her 1700 minutes last month of the phone. anyway. at this point i have had swat team at my house to get me , one other time the kicked in my door to the house to get me . they have tazzerd my dog to get to me. really am screwed. but at the end of the day i still love her,. i ask myself why all the time, my answer is because i kow she loves me and i know she is in more pain than i am and as her husband i have a duty to take care of my family. in the end i know that i have done more harm than good i guess but i have no idea how to just let the monsters in her life take her away . how can i just sit and allow this to happen? she knows she loves me she has been very upfront about that. she is so guilty inside for doing these things to me she

shorten it up and you might get more answers.