Same loan,
different rate.
The gap is
staggering.
A 1.36% rate difference costs $161,000 over 25 years. HOMEH finds you the lowest rate in Canada.
Side-by-Side Scorecard
$700K at 5.50% vs 4.14%, 25yr amortization
Loan A
5.50%
Loan B
4.14% ⭐
Monthly Payment
$4,273
$3,735
Total Interest
$582K
$421K
5yr Total Paid
$256K
$224K
25yr Total Cost
$1,282K
$1,121K
You Save
—
$161K
HOMEH connects you with Canada's lowest rates
Save $161,000 over 25 years
Enter your
numbers.
Compare your current rate against the rate HOMEH secures for you. The difference compounds every month for 25 years.
Amortization
Loan A — Current Rate
5.50%$4,273 / mo
Loan B — HOMEH Rate ⭐
4.14%$3,735 / mo
You save with HOMEH
$161,184
over 25 years
Formula: Canadian mortgage compounding — r = (1 + annual rate ÷ 200)^(1/6) − 1 per month, n = amortization months. Payment = P × r(1+r)ⁿ / ((1+r)ⁿ−1). Assumes fixed rate for full term.
A fraction of a
percent moves
mountains.
0.5% = $60,000
Even half a percent difference on a $700K mortgage adds up to six figures over 25 years.
Banks don't negotiate
HOMEH's broker network accesses wholesale rates unavailable at the branch level.
Free to the buyer
The lender pays our broker fee. You get a better rate at zero cost.
Compare Mortgage
Rates And Save.
Our broker network finds Canada's lowest rates at no cost to you. Most buyers save over $100,000 over the life of their mortgage.
More mortgage
calculators.
The full math of a Canadian mortgage, calculated honestly.
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Book a free consultation to see how we make homeownership affordable and easy for you.
Rate A vs Rate B.