Home owners face a perennial refinancing decision each time the term on their existing home mortgage expires. Do you renew your mortgage with your existing bank or lender, or should you shop around to see if better rates and terms are available from another lender?

Most banks and institutional lenders will offer their existing borrowers competitive interest rates when it comes time to renew a mortgage – particularly if the borrower does a little leg work and finds out the competitive rates from other lenders. Mortgage renewal is a no-brainer for a bank’s loan officer, who is often able to shave a half-point of interest off posted rates or match the offers of competitors who are trying to entice an existing borrower to take his or her business down the street. Difficulties can arise, however, when there has been a material change in the borrower’s circumstances.

The two instances in which borrowers are most apt to run into difficulties securing refinancing from their existing lender are when (a) their employment profile or income stream has changed, and (b) when the price of their home house prices has decreased in value. While the Canadian housing market has stabilized and house prices have maintained their value and continue to grow, albeit at a more moderate rate, there are some local markets where housing prices have dropped. Moreover, there has been a general tightening in Canadian lending practices as credit markets have tightened globally due to turmoil in the U.S. mortgage and housing markets. As a result, some Canadians who have less than optimal credit scores, who have been affected by job losses and/or who have seen the value of their homes drop are reportedly facing greater than normal difficulties in obtaining refinancing for their existing mortgages.

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Low cost, quick delivery, confidentiality and a host of other factors have made the Internet pharmacies hugely popular among the patients. While, even a few years back patients had to line up in front of a community drugstore and get their prescriptions filled, the rise of Internet pharmacies has really been a boon. So, now patients do not need to go all the way to the nearby drugstore, no queuing up in front of them and more importantly all the medical information remains secure, confidential and inaccessible to the outsiders. Drugs can be ordered by just entering the pharmacy website and placing an order with a click of the mouse button. Once that is done, the concerned online pharmacy delivers the drug right at the doorsteps of the patient.

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