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What are GIC rates? Well first of all, a Guaranteed Investment Certificate or GIC as it is commonly known in investor circles, is a type of Canadian investment that guarantees a certain rate of return in a certain amount of time. This is considered a low risk type of investment while other financial products such as stocks and bonds are considered a higher risk.

During the recent mortgage crisis in our country many changes have been made in how many banks are doing business. Many large banks have become skeptical about making large loans to anyone. Some larger banks have been able to gain a larger share of the mortgage market while others have not been as successful.

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