Marcus Sinclair
Renewal · AI chat · 12 messages
Summary
Tier Aneutral
Tier A renewal switch — booked with Emily for Fri 7pm.
Intent: shop-around
Outcome
QualificationCompleted
AppointmentBooked
Assigned brokerEmily Sullivan
EscalationNot required
Linked opportunity
Open →Marcus Sinclair
Oshawa, ON
Score 84/100 · appointment booked
Transcript
Marcus Sinclair · Jul 21, 3:18 PM
TD is offering me 5.24% on my renewal. Can I do better?AI assistant · Jul 21, 3:18 PM
Almost certainly. Today's renewal-shop rates through brokers are running 4.44–4.79% on 5yr fixed. What's your balance?Marcus Sinclair · Jul 21, 3:18 PM
$385K, home worth about $720K.AI assistant · Jul 21, 3:18 PM
53% LTV is strong. You'd easily qualify for the best rates. Do you want to switch to another lender or stay with TD?Marcus Sinclair · Jul 21, 3:18 PM
Whatever's cheapest. My term ends in 45 days.AI assistant · Jul 21, 3:18 PM
Perfect timing. A broker can start a switch application now to be ready at renewal — no penalty, TD just doesn't renew you.Marcus Sinclair · Jul 21, 3:18 PM
What's the process cost?AI assistant · Jul 21, 3:18 PM
Switch legal fees are usually covered by the new lender — you'd pay $0 in most cases.Marcus Sinclair · Jul 21, 3:18 PM
Sounds great. What about income? I'm T4 $105K.AI assistant · Jul 21, 3:18 PM
Clean qualifier. Can I connect you to a broker?Marcus Sinclair · Jul 21, 3:18 PM
Yes. Best time is evenings after 6.AI assistant · Jul 21, 3:18 PM
Emily Sullivan covers Durham. She'll call Fri at 7pm. Booked.