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Breaking Free of the Mortgage Lock-In Effect, An opportunity for lenders & homeowners.

Updated: 5 days ago

On this edition of Business Talk with Jim Campbell, Host James Campbell welcomes Jonathan Arad CEO of Takara Capital.

With 65% of residential mortgages locked in at rates of 4% or less, millions of homeowners are reluctant to move, creating significant challenges for banks and credit unions. These include compressed margins, reduced loan origination, and untapped equity. Takara transforms the ‘Lock-In Effect’ into a strategic opportunity—unlocking unprecedented benefits for lenders and borrowers.


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All rights reserved to Takara Capital Inc., 2025.

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