We had an approved mortgage weeks ago that was negotiated on our behalf by our mortgage broker. We worked on it for 6 weeks with them (we are self employed and bridging 2 homes for one month) due to our complicated financial circumstances. We were calculating our mortgage etc based on prime rates. Their auditor looked over the deal 4 days before we close to advise he will not authorize the mortgage after all. 4 days!! we've had to scramble and now use a B lender and pay 6.99% - we were over a barrel - did I mention 4 days before we close! Their [censored] up has cost me more than $40, 000 in extra lending fees. yea yea yea banks are too busy. give me a break. They have more money than god and have complete screwed us over. I hate this bank and so do a lot of other people on the net. I will tell everyone I know both personally and professionally to never ever use this bank. They are unethical bullies.