u/LadyGodivaG1

Hey everyone,

I have concrete evidence that a private citizen committed mortgage fraud to secure a conventional loan (20% down payment) with CIBC a few years ago. The individual explicitly told me face-to-face that they completely falsified their income to qualify for the house.

Based on the federal stress-test math from that time period, they needed a verified six-figure income to get approved. Since they recently completed a straight term renewal, the fraud has carried over because banks don't automatically re-verify income on standard renewals. Because it’s a conventional loan, CIBC carries 100% of the risk.

I want to report this, but CIBC’s public fraud lines seem to just be for phishing scams/stolen credit cards and their Whistleblower portal explicitly states it is only for reporting internal employees/wrongdoing by CIBC staff.

Does anyone know the direct pipeline, department email or corporate security fax number to get a forensic audit tip package directly into the hands of CIBC Corporate Security / Financial Crimes Investigations?

I want to make sure this actually lands on an investigator's desk and doesn't just get filtered out by frontline customer service.
Thanks.

I am looking to buy a condo apartment, condo townhouse or freehold townhouse in Pickering, Ajax or Markham, preferably close to a GO station or good bus routes.

My biggest priority is good sound insulation from impact noise, especially from the unit above if there is one. I'm less concerned about airborne noise like conversations or TV and more concerned about footsteps, kids running, dropped objects, furniture being moved and other impact noises travelling through the structure. I'm hoping to find buildings or communities where this is not a common complaint.

For example, I found the Grand Cornell Brownstones (stacked condo townhouses built by Lindvest) in Markham to have very poor sound insulation for impact noise from upper units, so I'm hoping to avoid similar construction.

If it's a condo apartment building, I'd like to keep maintenance fees under $1,000 per month if possible. I know many older condo buildings tend to have better sound insulation but they often come with much higher maintenance fees, so I'm trying to find a good balance.

If you live in a building or community with good soundproofing and reasonable maintenance fees, or a well built freehold townhouse that is relatively quiet, I'd really appreciate your recommendations.

I'd also love to hear which buildings, developers or communities to avoid if you've had the opposite experience.

Thanks in advance!

I am looking to buy a condo apartment, condo townhouse or freehold townhouse in Pickering, Ajax or Markham, preferably close to a GO station or good bus routes.

My biggest priority is good sound insulation from impact noise, especially from the unit above if there is one. I'm less concerned about airborne noise like conversations or TV and more concerned about footsteps, kids running, dropped objects, furniture being moved and other impact noises travelling through the structure. I'm hoping to find buildings or communities where this is not a common complaint.

For example, I found the Grand Cornell Brownstones (stacked condo townhouses built by Lindvest) in Markham to have very poor sound insulation for impact noise from upper units, so I'm hoping to avoid similar construction.

If it's a condo apartment building, I'd like to keep maintenance fees under $1,000 per month if possible. I know many older condo buildings tend to have better sound insulation but they often come with much higher maintenance fees, so I'm trying to find a good balance.

If you live in a building or community with good soundproofing and reasonable maintenance fees, or a well built freehold townhouse that is relatively quiet, I'd really appreciate your recommendations.

I'd also love to hear which buildings, developers or communities to avoid if you've had the opposite experience.

Thanks in advance!