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welcome to mortgage intelligence Oshawa today were talking about hidden mortgage fees hi my name is Elfie haze of mortgage intelligence in Oshawa and today I read an article that I dont know if whether I found it informative or I found it disturbing yet the article that I read was in The Globe and Mail and it talked about the fact that bank profits are currently down due to low interest rates and also the fact that new lending guidelines have made it much more difficult for people to actually get a mortgage so in response to that the article stated that TD mortgages has increased their fees and I thought Id interesting that these are fees that you wouldnt know about until the end of your mortgage or at such time that you wish to discharge it and I thought since Im always sharing information that I find valuable I really wanted to address this issue the circumstance in the article is fairly straightforward its a person that has a mortgage with TD and wishes to pay it off they do n