Quote:
Originally Posted by Traum
Holy good lord~! That's almost enough money for an extra track day every month! (All costs taken into account.)
Does your wife also need to sign to get the renewed mortgage terms? If she doesn't, then she doesn't need to know! 
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It's mostly just gonna mean we aren't as tight every month, and it'll help us fund the vacation to Japan in a few months.
My brother wants to get the whole family together for traveling before my dad can no longer walk, so it's gonna be a lot of vacationing the next few years.
Quote:
Originally Posted by 6793026
always call on another broker and find out the real data. Of course the current guy wants you to stay.
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We've done that a few times, but typically it's 0.1 - 0.2% difference at most between the big banks. It's only when you go to the 3rd tier lenders do you get a bigger spread. The 3rd tier lenders typically have very stringent terms on breaking and repayment, and from 2nd hand anecdotes they don't make service easy.