Comparing Var. vs Fixed Rate & Rate Change Scenario Analyzer

account_balance 1. Basic Loan Conditions Setup

Principal Amount ($)

Amortization (Years)

Term (Years)

Fixed Rate

Applied Rate (%)

Variable Rate

Applied Rate (%)

Variable Type (By Bank Policy)

Fixed Payment (VRM) Variable Payment (ARM)

compare_arrows 2. Initial Payment Comparison (Base Payment)

Fixed Rate Monthly Payment: $0

Variable Rate Monthly Payment: $0

warning 3. Variable Rate Risk Analysis (Payment Compare)

trending_up 4. Rate Variation Scenario Analysis

Enter expected central bank rate change scenarios. We will compare the 'pure interest cost' paid over the Term against the fixed rate.

📊 Simulation Result: Total Interest Cost over Term

Fixed Rate Total Interest

Variable Rate Total Interest (If rate stays)

Variable Rate Total Interest (Scenario applied)

Rules and figures last checked against official sources (CRA, CMHC, BC government) on 2026-10-25. Results are estimates for reference only; actual approval terms vary by lender.