A surprising thing happened when I went to renew my mortgage for a better rate with a big bank last month: they refused to take me because my mortgage was originally signed with an upstart provider.
It started when I consulted a broker in my town when my mortgage renewal came up this spring. She had great news – Scotiabank BNS-T was offering a rate of 5.09 per cent, which was better than the 5.49 per cent that my existing provider, QuestMortgage, offered me.
Ten days later, as I was nearing my renewal date, I got some bad news – my broker told me that Scotiabank wouldn’t accept a
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