u/KiteWhisperer

I’m being offered on renewal 4.64% for 3 yr fixed and 3.74% for 5 yr variable closed by TD. I do heavy banking with TD (8 different accounts)

Remaining balance is $268,400 with 20 year amortization. Type: Rental house. Location: Winnipeg

Can I do better

Edit: title : 4.64% not 3.64%. Typo

Hello

I’m looking to get an insight on how to approach this logically in paying off our primary home mortgage in Winnipeg. I’m hoping once I pay off my mortgage I will start investing the additional mortgage saving in register and non register accounts.

HHI: $335k
TFSA (between my spouse and I) :$140k. We’ve used our TFSA in past to make lump sum payment and bought the rental home in Jan 2022

Our primary home has a mortgage of $90k remaining, (assessed about $800k) and I’m looking to pay this off asap. Current payment is $2000 biweekly. I may consider heloc but may not need it tbh. The renewal mortgage for this home is due in November 2027. We put 20% down payment on this home in May 2019.

We have a rental home that is up for mortgage renewal in January 2027 with balance of $267k remaining as of today at 1.89% . This house is assessed at $450k. We put 20% down payment on this home in Jan 2022

How should I approach this?

1. Should I refinance the rental home and pay towards the primary home mortgage?
2. Should I apply for HELOC on the primary home first then refinance rental home mortgage to pay off the primary home mortgage?
3. I can make a max pre payment of $66k using savings + TFSA in December 2026 then pay the remaining in January 2027.

Do I have any other options?

TIA

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