Compare nominal vs. true cost and prove whether cashback makes an offer fair.
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Canadian mortgages typically use semi-annual compounding (2).
Calculate payment differences, nominal vs. true cost, and validate cashback offers using compliant present-value math.
Compare the true cost of two mortgage offers, including cashback and fees.
Use it to avoid misleading low-rate comparisons.
Lower rate vs cashback
Compare a higher rate with $2,000 cashback.
Shorter holding period
See which option wins if you sell in three years.
Save and compare scenarios
Create a free account to save scenarios, compare options side by side, and share results with your broker team.
A slightly higher rate can still be cheaper when fees or cashback are considered.
No. Use the penalty estimator for break costs.
Yes. Adjust the rate inputs to match each scenario.