Mortgage rate check
Rate My Rate: check your mortgage.
Compare your current mortgage rate against today's market view and see whether a closer review may be worthwhile before renewal.
Calculators
Run the numbers.
A quick way to pressure-test a price or a payment. For the real answer — the one your lender will give you — book a call.
Variable mortgage tool
FixWise: should you lock in?
Compare your lender's fixed conversion offer against staying variable using a market-implied rate path, projected payments, interest cost, and break-even math.
Smith Manoeuvre tool
SmithWise: project the strategy.
Model a Smith Manoeuvre-style path using property value, mortgage balance, secured credit, payments, prepayments, tax assumptions, and investment growth.
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Sourced from the current 5-year fixed rate shown on the Rates page.
Estimated Payment
$4,160/mo
- Bi-weekly
- $1,918
- Mortgage Principal
- $760,000
- Total Interest
- $488,013
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Calculated as the 5-year fixed rate from the Rates page plus 2.00%.
Estimated Max Purchase
$890,118
Based on standard GDS/TDS ratios. Lender appetite, credit, and down payment source can move this number meaningfully — call for a real pre-approval.
Results are estimates only and assume Canadian semi-annual compounding. Actual qualifying amounts and payments depend on lender policy, insurer guidelines, and your full financial picture.