Compare nominal vs. true cost and prove whether cashback makes an offer fair.
Save + compare
Create a free account to save scenarios, compare options, and share results inside a secure dashboard with your broker team.
Need the trust details before you share anything? Review Privacy, Disclosures, Security, and Editorial policy.
Canadian mortgages typically use semi-annual compounding (2).
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.
Payment and amortization scenarios matter most when they connect to a rate, a contract strategy, and a broker-reviewed fallback plan if rates move or priorities change.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
Save and compare scenarios
Create a free account to save scenarios, compare options side by side, and share results with your broker team.
Want to verify how Pragmatic handles your data and guidance? Review Privacy, Disclosures, Security, and Editorial policy.
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.