If you are pre-approved for an unmortgage, we will guarantee your rate for 120 days. Naturally, if rates go down during that period, you will get the lowest rate.

The minimum time it takes for us to fund a mortgage is 10 to 15 business days; however, if there are special circumstances you can give us a call at 1-866-700-4604 and we'll discuss your options.

Your ING DIRECT card allows you to withdraw cash from your ING DIRECT account(s) at any bank machine. When using one of our ABMs, you can withdraw Canadian and US cash, check account balances, and change your card PIN. Only one card can be issued to each Client and can access a maximum of 3 accounts: 1 CAD ISA, 1 USD ISA, and 1 Credit Account. There cannot be more than 1 ISA attached to the card at one time. On the ABM screen, the ISA is 'Savings' and the Credit Account is 'Chequing'.

The minimum down payment on owner-occupied property must be 5% of the purchase price. On rental properties, the minimum down payment has to be 20% of the purchase price with ING DIRECT.

ING DIRECT, the minimum mortgage amount and maximum amortization period offered is $50,000 and 40 years respectively.

We'd like to say never, but the issuing companies (Visa, MasterCard, Amex, etc.) do change their rates occasionally and these must be passed on to our customers. These rates are typically adjusted in the spring and fall. As for our fees, we try to keep them as low as possible. You won't see us ever locking you into a rate for a month or two and then jacking it up on you.

All quotes given by World Warehouse & Distribution will be given in writing. These quotes will be honored only when the information that has been supplied to World Warehouse & Distribution actually matches the shipment you provide. If you do not receive a written quotation from World Warehouse & Distribution, we consider this a freight estimate and not an actual freight quotation.

Yes, an ING DIRECT unmortgage is portable and assumable. The port must be completed within 120 days after the sale of your property. A person assuming your mortgage must apply and meet our standard credit criteria.

RSP (Retirement Savings Plan) is a federally registered tax-deferral plan designed to encourage Canadians to save for their retirement. Funds and interest earned on investments are tax-sheltered as long as the earnings stay in the plan. ING DIRECT provides RSP Investment Savings Accounts and RSP GICs across Canada, and RSP Mutual Funds in most provinces. Mutual funds are offered by ING DIRECT Funds Limited, a wholly-owned subsidiary of ING Bank of Canada.

Call one of our Direct Associates at 1-888-464-3232 or 416-756-2424 and we'll be happy to update your information and complete your request.

Moving money between your ING DIRECT account and your external chequing account is very easy. Transferring money between your two accounts is called an Electronic Funds Transfer (or EFT for those who like things short). An EFT takes 1 - 2 business days. It's safe, secure, and beats mailing a cheque. When you want to make a deposit to your account, or withdraw funds, simply do one of the following: Go to www.ingdirect.ca and click on the "I'm a Client, let me in" button.

ING DIRECT offers mortgages on properties that are zoned residential (up to 4 units). There are a few specific types of properties that ING DIRECT does not offer financing on. These include agricultural, commercial and co-operative properties, mobile homes or log cabins. Please call us at 1-866-700-4604 if you have a question about your property and whether ING DIRECT can provide financing.

For self-employed people, ING DIRECT offers a special product. To qualify for this product at least one applicant must be self-employed or have 100% commission based income. Under this product, applicant(s) are not required to confirm net or gross income but must confirm their status as self-employed and that they have no income tax arrears.

ING DIRECT currently has no special product for new immigrants; however you can call and discuss your situation with a dedicated mortgage specialist.