Rates are the headline. Strategy is the story.We compare the whole mortgage — penalties, portability, prepayment — not just the number. How RateWatch+ works
Debt, extra mortgage payments or investing? Split your spare monthly cash any way you like and see the 10-, 15- and 25-year net worth of each path side by side — plus a refinance-and-consolidate option.
The fine print, honestly. Every path pays your regular mortgage payment and debt minimums; only the extra cash is split. Debts are paid highest-rate first, freed-up payments roll into the next priority (debt → mortgage → investing), and once the mortgage is gone the whole payment is invested. Returns compound monthly at your assumed rate, before tax. These are simplified projections, not financial advice — a conversation covers the tax, risk and timing pieces a model can’t.
Whether you’re buying, renewing, refinancing or simply trying to make the numbers behave, start with the service—or the Alberta community—that feels most like home.