What does FixWise answer?
It estimates whether staying variable or accepting the lender's fixed conversion offer looks lower-cost under the current market-implied rate path.
Variable mortgage lock-in check
Should you lock in?
Compare your variable mortgage with your lender's fixed offer in minutes.
01.
Simple inputs
Balance, current variable rate, and the fixed offer.
02.
Market rate path
The forward curve is handled in the background.
03.
Plain answer
See which option looks lower-cost and why.
Common questions
What is the rate forecast based on?
The app uses Canadian overnight-rate market data, maps it to Bank of Canada decision dates, and applies your mortgage's prime discount or premium.
Is this mortgage advice?
No. FixWise is a starting point for a better conversation. Review the result with a mortgage professional before making a final decision.