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What Could Your Home Equity Do? - Equity Scenarios Dashboard

See your options at a glance - no obligation, no assumptions.

Current Rates — Insured Mortgages

Updated 2026-04-06
3-Year Fixed 4.34%
5-Year Fixed 4.39%
5-Year Variable ? 3.7%
The variable rate is calculated as the lender's prime rate (currently 4.45%) plus or minus a lender adjustment. Your variable rate can change with each Bank of Canada announcement.

Does this rate apply to your situation? Book 15 minutes to find out.

Rates subject to change at any time without notice. These rates are for insured mortgages (down payment under 20%). Confirm your rate.

This tool provides estimates for informational purposes only. Actual rates and results depend on your specific situation. Rates last updated 2026-04-06. Rates are subject to change at any time.

Your Home Equity Is a Tool - Use It Wisely

If you’ve owned your home for a few years, you’ve likely built up significant equity. This tool shows three clear paths - keeping things as they are, restructuring for a better rate, or accessing some equity - presented neutrally with no pressure.

What Is Accessible Equity?

In Canada, you can typically borrow up to 80% of your home’s appraised value. Your “accessible equity” is 80% of your home’s value minus your current balance.

The Free MPAC Propertyline Report

Your municipal property assessment provides an independent estimate of your property’s value based on comparable sales and property features. Normally $30 per report - I’ll pull it for you at no charge.

Common Reasons to Access Equity

Renovations, consolidating high-interest debt (credit cards at 20%+ into a mortgage at 4-5%), helping a child with their first down payment, or investment. Each situation has different financial implications worth discussing.