[Gravter]

Yup, there are brokers in Quebec.

I will be calling a fw tomorrow and see what they can do just to show my bank I'm not impressed with their "offer".
My bank is actually called Desjardins. Each year, they give me a percentage back of paid interest for the past year. This year, it was 16% of total paid interest amount that I got back which amounts to about 1100$
The smart thing to do is take this money and put it on your loans capital but usually we use it to pay off those damn municipal taxes and school taxes.
So, Desjardins is saying that when they give me a loan @ 6.5% and then calculate the return on paid interest (has been 15-16% for 5 years now) it.s like a 1% lower rate! I'll have to calculate this and see if it actually is like a 5.5% rate.