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Terms and disclosures
Important context for the information, rates, and tools shown on this website.
General information
Website content is general educational information and is not financial, legal, tax, accounting, or real estate advice. Mortgage recommendations require a review of the borrower, property, documents, lender policy, and current market conditions.
Rates
Rates may change without notice and are subject to lender, insurer, credit, property, loan-to-value, occupancy, mortgage-purpose, amortization, closing-date, and other conditions. A displayed rate is not an approval, commitment, or guarantee. Fees and other borrowing charges may increase the annual percentage rate.
Calculator
Calculator results are illustrative estimates. They may exclude mortgage-default-insurance premiums, lender or brokerage fees, property taxes, condominium fees, legal fees, appraisal costs, and other expenses. Results should be confirmed before relying on them.
External links
External websites are operated by third parties. Skibs Capital is not responsible for their availability, security, content, or privacy practices.
Licensing
Sebastian Skibinski, Mortgage Agent Level 1, Licence #M25003054. Sponsoring brokerage: TMG — The Mortgage Group, operating as Miracle Financial, FSRA Brokerage #13766.
Last updated August 18, 2026.