The Mortgage Showdown

Two offers can look almost identical on rate — and be thousands apart on what they actually cost you. Drop them in, watch them get ranked, and see the story the rate sheet hides.

If life changed and you broke the mortgage after…

24 months

Most Canadians break a 5-year term early. This is where the penalty story lives.

Today's comparable rate

%

Used to estimate fixed-rate break penalties. Prime today: 4.45%.

The Rankings

Smart Blend score = cost (45%) · break-cost risk (30%) · flexibility (25%)

The Contenders

Start with two. Add up to four.

Side-by-Side

Best in each row highlighted in gold

Coach's Take

What the numbers are really telling you

This is an estimate. Your exact payout isn't.

I'll pull the real penalty numbers from each lender, line them up against your five-year plan, and tell you straight which mortgage builds you the most wealth — not just the lowest payment.

Book a call with Adam

No cost, no pressure. That's how we do it in Southern Ontario.

Heads up: This tool gives estimates for comparison and coaching only — it is not financial advice or a payout quote. Break penalties depend on each lender's exact method, your contract, and current rates; bank posted-rate IRD penalties in particular vary by lender. Always confirm the real number directly with the lender before making a decision. Payments use standard Canadian semi-annual compounding.