Mortgages between chartered banks and brokers:

KhoaN

Inspired Forum Member
Registered
Hi,
If I already have mortgage(s) at the X bank and then go with a broker for my next mortgage and it happened that the lender is the same bank, would they combine that to their cap exposure or they are two separate channels?
Thanks,
 

KhoaN

Inspired Forum Member
Registered
I wasn't referring to the TDS. What I meant was the total allowable for that spectacular bank.
Thanks,
 

REInvestors888

Inspired Forum Member
Registered
Per our experience both mortgages in the same bank/lender will be combined in determining TDS and total allowables unless the rule of the game changed(?).

I want to see some light here, too. Thanks.
 
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