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• 18:50, 22 December 2023 Brian7608359 talk contribs created page User:Brian7608359 (Created page with "Higher ratio mortgages over 80% loan-to-value require CMHC insurance even for repeat buyers. Careful financial planning improves mortgage qualification chances and reduces total interest costs. Mortgage brokers can offer more competitive rates than banks by negotiating lower lender commissions on the part of borrowers. The Bank of Canada overnight lending rate determines commercial bank prime rates directly influencing variable rate and adjustable rate mortgage costs pas...")