Capitalizing on Falling Rates
Healthcare professional relocating to London, tracking central bank cuts
An Adjustable Rate Mortgage (ARM) is different from a regular variable: your payment drops the moment the Bank of Canada cuts. Pair that with a deep Prime-minus discount and falling rates put money straight in your pocket.
The Challenge: Bank pushing rigid 5-year fixed products, but client wanted an aggressive path to capitalize on rate drops.
Our 4-Step Process
Macro Trend Positioning
Evaluated central bank consensus data to build a numbers-driven rate direction timeline.
Adjustable Sourcing
Target an Adjustable Rate Mortgage (ARM) where the monthly payment drops immediately with rate cuts.
Deep-Discount Deep Dive
Secured an aggressive discount below Prime (Prime minus 0.90%) via alternative channels.
Compounding Interest Savings
Set up automatic structural savings where every single rate cut drops the bill instantly.
✨ Result: Mortgage closed at Prime minus 0.90%. Every subsequent rate cut lowers their payment automatically.