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Rate Analysis Planning Tool

Explore fixed versus variable options, trigger rates, and simple renewal strategies under different rate paths. Uses Canadian rate standards (fixed: semi-annual compounding, variable: monthly compounding).

Mortgage Basics
Rate Options
Rate Path Assumption
The tool applies the path to the variable rate only, in equal monthly steps until it reaches the target, then stays flat.
Simple Strategy (for Variable)
Results
(Planning tool, not a commitment quote)
$0.00
Enter values to compare fixed vs variable under your rate path.
Fixed payment
$0.00
Variable start payment
$0.00
Trigger rate (est.)
-
Show calculation breakdown
Fixed Total interest (term)$0.00
Fixed Balance at term end$0.00
Variable Total interest (term)$0.00
Variable Balance at term end$0.00
Strategy used-
Interest difference (Var minus Fixed)$0.00
Mortgage Consultation

Choosing the right mathematician as your mortgage specialist could save you thousands.

Every mortgage is unique, with different rates, terms, and options to compare. I’ll review your situation and explain the best path clearly and honestly. Let’s start your conversation today.

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Why Clients Choose Me

I Work for You

Fully independent with no ties to any bank. My loyalty is to you alone. I research, compare, and negotiate across multiple lenders to find the mortgage that truly fits your life, not what's easiest for a bank. Every recommendation is based entirely on what benefits you most.

Honest and Transparent

No hidden information. No sugarcoating. Straightforward advice at every step, even if it means losing a customer. You always know exactly where you stand.

Wide Lender Access

Not limited to a single institution. Access to a diverse network of lenders means solutions tailored to your unique needs, whether first-time buying, refinancing, or specialized mortgage products. More lender options means more opportunities to find the right rate, terms, and solution for you.

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