List Of All Penalty Fees

This list is for fixed rate mortgages and not variable mortgages.

Here is how we will break down the list:

1. Calculated based on posted rates = BAD
2. Calculated based on discounted rates = GOOD (no penalty is ever good)

I NEED YOUR HELP MORTGAGE BROKERS!
Please list out lenders and break fees that are in your area or who you use.  If you see a mistake, please comment, I will fix asap. 

National Lenders
Royal Bank
TD Bank
Scotia
CIBC
HSBC
MCAP
First National
Home Trust
Canadiana
B2b Bank
ICICI Bank
Merix Financial
National Bank
Radius Financial
RMG Mortgages
Street Capital

BC Lenders
Blue Shore Financial
Coast Capital Savings
Community Savings CU
Norther Savings CU
Westminister Savings CU
Vancity CU
Envision CU

Alberta Lenders
ATB Financial
Saskatchewan Lenders
Manitoba Lenders
Ontario Lenders
Quebec Lenders
New Brunswick Lenders
Nova Scotia Lenders
PEI Lenders
Newfoundland Lenders

xPOSTED RATES = BAD

x
x
x
x
x

x

DISCOUNTED RATES = GOOD

x
x
x
x

x
x

x
x
x

x
x
x
x
x
x
x
x

x

Here are some disclaimers:   Banks changes their policies all of the time.  Do your own due diligence by talking to a mortgage broker or talking directly to the bank or reading the mortgage documents to specify the exact calculation.