Whether you’re buying, selling to buy, or refinancing, book a free mortgage consultation today.
Because in the long run, It’s worth it.
Book your free ConsultationBanks show you Retail Rates. We show you Wholesale Reality. In January 2026, the gap is wider than ever.
| Product | Typical Bank | Wholesale Target* |
|---|---|---|
| 5-Yr Fixed | 4.59% | 3.84% |
| 5-Yr Variable | Prime | Prime - 1.05% |
| Break Penalty | High (Posted) | Low (Contract) |
Why the "Penalty" matters:
Big banks use "Posted Rates" (often 6%+) to calculate penalties if you break your mortgage early. Wholesale lenders use your actual contract rate, potentially saving you $10,000+ in exit fees.
*Targets based on Jan 2026 wholesale funding for high-ratio O.A.C. Not a guarantee.