First-Time Buyers
Buying your first home in Vancouver is a big step. Rory walks you through every option — from insured mortgages to first-time buyer incentives — so you close with confidence.
Learn moreHow Rory can help
The right mortgage for every stage
Whether you're stepping onto the property ladder or expanding your portfolio, Rory shops 25+ lenders to find the rate and structure that fits your life.
Renewals & Refinancing
Your renewal is a negotiation, not a formality. Rory shops 25+ lenders to find a rate that beats what your bank will offer — and structures your mortgage for the next chapter.
Learn moreReal Estate Investors
From your second property to a full portfolio, Rory structures financing to maximize leverage, minimize carrying costs, and keep your deals moving in BC's competitive market.
Learn moreAbout Rory
A broker who works for you, not the bank.
Rory is a licensed mortgage broker with over four years experience in commercial real estate lending at HSBC and RBC Canada. Rory brings specialized expertise in credit analysis, construction financing, tenant evaluation, and multi-property syndicated loans across residential, industrial, commercial assets, as well as single-family dwellings, and other residential or recreational properties.
This strong real estate finance background allows him to provide Greater Vancouver clients with professional, well-structured residential mortgage solutions backed by deep market insight and risk assessment experience.
Rate History
25 years of Canadian mortgage rates
Variable vs. fixed rates over 25 years — context that helps you decide.
Variable Rate
5-Year Fixed
Source: Bank of Canada historical data. Variable rate shown as prime − 0.5%. Fixed rate represents approximate 5-year posted/discounted rates. For illustration purposes only.
Savings Calculator
See how much you could save by switching lenders
Enter your current mortgage details to see a side-by-side comparison. Results update instantly.
Your mortgage details
$
Remaining principal on your mortgage%
The rate you're paying now%
Rory can often find rates 0.5–1.5% loweryrs
Years left on your mortgageYour potential savings
Current monthly
$3,421.96
New monthly
$3,086.27
Monthly savings
$335.68
$4,028 per year
Total interest saved
$80,564
Over 20 years remaining amortization
3-month interest breakage fee
$6,875
Typical penalty for breaking a fixed-rate mortgage early
Break-even point
25 months
Includes $6,875 breakage fee + ~$1,500 legal/admin costs
Ready to make it real? These numbers are estimates using Canadian semi-annual compounding. The breakage fee shown is a standard 3-month interest calculation — your lender's actual penalty may differ. Rory will run exact figures based on your mortgage terms, at no cost to you.
