Broker360 Mortgage Comparison Engine

Deal Setup
Variable Rate Strategy
The target fixed lock rate is a what-if planning input only. It works with the lock trigger above to model what the file could look like if the borrower chose to convert after a selected number of hikes or a cumulative bps move. It is not an automatic lender feature.

Lender Comparison Setup

Rate Forecast
Use Simple Forecast for a quick path, or use BOC Date Forecast to model each Bank of Canada announcement date. Fixed rates are generally driven by bond markets, while variable mortgages follow prime, which is influenced by the Bank of Canada overnight rate.
Simple mode applies the selected path only on upcoming Bank of Canada announcement dates.
The first open row defaults to the closest future announcement date. Click any row to expand its live before-and-after forecast stats.
Trigger-rate warning: under a static-payment VRM, the projected path may create payment stress or negative amortization risk. Estimated trigger rate: 0.00%
A trigger rate is the point where a variable-rate mortgage payment no longer fully covers the interest charged. On static-payment VRMs, if rates rise far enough, principal reduction can slow, stop, or reverse. Trigger points vary by lender. Some lenders notify the borrower and require a lump sum, higher payments, or a switch to fixed when that point is reached. Fixed rates are influenced more by bond-market pricing, while variable mortgages follow prime.
5-year fixed vs. variable mortgage rates (interactive style graph)
Recent Bank of Canada reference points
Results
Step 3 ranks offers based on what matters most to the client, then shows an Apples-to-Apples comparison at the shortest common term and a ride-it-out versus what-if lock view for variable scenarios.
Best Option Based On Lowest Payment
$0
Complete the lender entries and forecast settings to generate a ranked result.
Savings Over Term
$0
Payment Gap
$0
APR Gap
0.00%
Apples-to-Apples term snapshot
When lenders use different terms, this compares them at the shortest common term first, so a 3-year fixed can be judged fairly against 5-year variable offers at the 3-year mark.
Comparison snapshot
Bar colors follow lender brand tints where available. The dashed amber line shows the estimated what-if lock timing if a lock rule is enabled.
Take this further
Use this as a starting point only. A licensed mortgage broker should complete the full review before any decision is made.
Build 3.1 · Updated Apr 2026


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Disclaimer:

This tool is provided by Rebel Mortgage Ltd. (FSRA License #13623) for educational and planning purposes only. It is not a mortgage commitment, pre-approval, rate guarantee, or underwriting decision.


Results are estimates based on the inputs you provide and simplified assumptions, including Canadian semi-annual compounding, monthly simulation, and hypothetical future rate movements. Actual mortgage terms, rates, payments, penalties, trigger rate rules, payment adjustment mechanics, and prepayment privileges vary by lender and product, and may differ materially from the figures shown here.


The Bank of Canada overnight rate is not a consumer mortgage rate. Prime rate is set independently by each lender and is subject to change without notice. Future rate movements are inherently uncertain and the scenarios modeled in this tool are illustrative, not forecasts.


No borrower-lender relationship is created by using this tool. No advice given through this tool should be relied upon without a documented consultation with a licensed mortgage agent or broker. Suitability, qualification, and product recommendation require a full application, credit review, and compliance process.


Rebel Mortgage Ltd. does not guarantee the accuracy, completeness, or availability of any rate, product, or lender referenced. Rates shown may be outdated. All mortgage approvals are subject to lender underwriting, credit, income, and property qualification.  By using this tool you acknowledge that you have read and understood this disclaimer.