Variable & adjustable-rate mortgages

Ride rate cycles with trigger monitoring, transparent penalties, and payoff guardrails.

Float when it makes sense

Variable and adjustable-rate mortgages (ARMs) track prime. We help you set trigger-rate alerts, model payment shocks, and design a hedge plan so you’re never surprised during Bank of Canada announcements.

Who chooses variable

Borrowers expecting rate cuts who can handle short-term volatility.
Investors who want to amortize faster when prime falls.
Clients with strong cash buffers and appetite for risk-managed strategies.

Pros

Historically lower average interest versus fixed (not guaranteed).
Three-month interest penalties when breaking most variable terms.
Ability to convert to fixed with many lenders if rates spike.

Considerations

Payment or amortization can change when prime moves.
Trigger-rate clauses may force payment adjustments or lump sums.

Variable & adjustable-rate mortgages

Float when it makes sense

Who chooses variable

Pros

Considerations

Representative rates

Variable & adjustable-rate mortgages

Float when it makes sense

Who chooses variable

Pros

Considerations

Representative rates