2026 Intelligence: Exclusive Rates from 3.65% • Agent Licence # M23006735
2026 Structural Analysis

Canadian Mortgage Rates Deep Dive

A comprehensive 2026 analysis of the "Big Six" lending environment vs. Our Exclusive Rates. From the Duration Tax paradox to high-ratio variable leadership.

View Rate Matrix Mortgage Calculator

Why limit yourself to one bank?

We are a team of licensed mortgage agents across Canada working with over 65 lenders to find the perfect rate for your situation.

Purchase
Refinance
Renewal

Live Rate Comparison

Independent Team Inventory vs. Big Six Institutions

Provider / Bank 3-Yr Fixed 5-Yr Fixed Variable Inquiry

2026 Core Benchmarks

Team Best Variable
3.65%
3-Year Insured Bench
Team Best Fixed
4.09%
Insured 30-Year Access

*Access to over 65 independent and institutional lenders across Canada.

Macroeconomic Drivers

2026 institutional behavior is defined by high-value poaching and duration-based pricing. We decode these models for you.

Market Performance

Independent Team vs. Big Six Branch Rates

Duration Tax Analysis

Banks apply a 10bps premium to 30-year amortizations. While saving monthly cash flow, it typically costs $87k+ in extra interest over a standard cycle.

Lender Methodology

Accessing over 65 lenders allows our team to find specific discounting structures not available at traditional branch levels.

Duration Tax Lab

Calculate the lifetime cost of debt extensions.

Scenario Principal
$500,000
Standard 25-Year $2,767/mo
Lifetime Interest $330,172
Extended 30-Year $2,548/mo
Lifetime Interest $417,355
Lifetime Penalty: +$87,183
Alireza Asgarian

Alireza Asgarian

Mortgage Agent Level 2

Licence # M23006735

Independent Expert Advice for Purchase, Refinance, and Renewal.

"We are a team of licensed mortgage agents across Canada. Why limit yourself to the narrow offerings of a single bank? We work with over 65 lenders to find the specific rate and structure that fits your unique situation."

Institutional & Private

Access to Big Banks, B-Lenders, and Private Equity.

Unbiased Representation

Our only loyalty is to your long-term debt efficiency.

(647) 203-4006 Email Agent

Inquiry Desk

65+ Lenders. One Professional Analysis.

Analysis Requested

Alireza will review your profile and contact you shortly.

Direct Contact
Cellular Desk (647) 203-4006
Professional Email [email protected]

"Limiting your search to one bank is leaving money on the table. Let our team analyze 65+ lenders for you."