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For those looking to purchase a home or re-finance their current mortgage in Canada and will have a balance of over $500,000, you will qualify for a special 5 year fixed rate of 5.04% (full 20/20 pre-payment privileges allowed) - but only until Nov. 30th. For anyone looking for a mortgage that's less than $500,000 and wants a fixed rate, you might want to consider the "No Frills" mortgage. The lender can afford to give the better rate as it somewhat limits the pre-payment penalties (no lump sums allowed, only 10% increase to payment each year). Most people do have god
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