Rate scenarios
Pick your situation. We'll pre-fill realistic numbers and benchmark you against the right slice of the Canadian market.
First-time buyer
Is this a good rate for a first-time buyer?
Insured mortgages (less than 20% down) get the best rates in Canada. We'll show you exactly where your quoted rate sits against today's top-tier first-time buyer pricing.
Check this scenarioMortgage renewal
Is your renewal offer actually competitive?
70% of Canadians sign their renewal letter without shopping. Most overpay by $5K–$30K over 5 years. Validate your renewal rate in 30 seconds.
Check this scenarioRefinance
Is your refinance rate worth the breakage?
Refinances are priced higher than purchases or renewals (uninsured, conventional). The math has to clear breakage penalty + legal fees. We'll show you both sides.
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