Tools hub

Ontario mortgage and real estate calculators

Compare estimates, prepare better questions, and identify when a mortgage review may help before you make your next move.

Renewal Tools

Compare renewal offers, track deadlines, and decide whether to renew, switch, or refinance before signing.

Activerenewal

medium complexity

Bank Renewal Offer Analyzer

Understand payment impact, interest over term, and renewal urgency.

Ideal user: Ontario homeowners approaching renewal or holding a renewal letter from their bank.

Use toolPriority 1

Activerenewal

low complexity

Mortgage Renewal Savings Calculator

See monthly and term savings scenarios before accepting a renewal.

Ideal user: Renewing homeowners deciding whether to accept, negotiate, or compare a lender offer.

Use toolPriority 2

Activerenewal

low complexity

Renewal Countdown Calendar

Avoid leaving renewal comparison until the final weeks.

Ideal user: Homeowners who want renewal reminders and a planning timeline.

Use toolPriority 3

Plannedrenewal

medium complexity

Upload My Renewal Letter Tool

Turn a confusing renewal letter into a clear review checklist.

Ideal user: Homeowners with a renewal letter in hand.

View planPriority 4

Plannedrenewal

high complexity

Renewal With New Debt Calculator

Spot debt-service issues before renewal options narrow.

Ideal user: Renewing homeowners who added loans, cards, or lines of credit.

View planPriority 8

Plannedrenewal

high complexity

Renewal Income Change Checker

Prepare documentation before switching or refinancing.

Ideal user: Homeowners whose income changed since the original mortgage.

View planPriority 9

Plannedrenewal

medium complexity

Switch Lender Savings Calculator

Estimate whether a lower rate may offset switch costs.

Ideal user: Renewing homeowners comparing their bank to other lenders.

View planPriority 10

Plannedrenewal

medium complexity

Renew, Refinance, or Switch Decision Tree

Get a plain-English next-step path based on your renewal situation.

Ideal user: Homeowners unsure which renewal path fits.

View planPriority 11

Refinance & Debt Tools

Estimate cash-flow changes, penalties, breakeven points, and equity options before refinancing.

Activerefinance debt

high complexity

Refinance / Debt Consolidation Calculator

Estimate monthly cash-flow change and key refinance warnings.

Ideal user: Homeowners considering rolling high-interest debt into mortgage financing.

Use toolPriority 5

Plannedrefinance debt

high complexity

Debt Consolidation Monthly Savings Calculator

See cash-flow change and total debt consolidated.

Ideal user: Homeowners seeking monthly payment relief.

View planPriority 12

Plannedrefinance debt

high complexity

Refinance Breakeven & Penalty Analyzer

Estimate how long it may take for a refinance to pay for itself.

Ideal user: Homeowners considering breaking a current mortgage.

View planPriority 13

Plannedrefinance debt

high complexity

Cash-Out Refinance Calculator

Check whether equity access may be realistic before applying.

Ideal user: Homeowners exploring cash-out refinance options.

View planPriority 14

Plannedrefinance debt

high complexity

Mortgage Penalty Estimator

Know when exact lender penalty confirmation is essential.

Ideal user: Borrowers thinking about breaking a term.

View planPriority 15

Buyer Affordability Tools

Estimate maximum mortgage, purchase price, debt ratios, down payment needs, and CMHC/default insurance.

Activeaffordability

medium complexity

Maximum Mortgage + Maximum Purchase Price Calculator

Compare lender-style maximums with a payment that fits your life.

Ideal user: Buyers estimating purchasing capacity and monthly comfort.

Use toolPriority 6

Plannedaffordability

medium complexity

Affordability + Stress Test Calculator

Understand what may limit mortgage qualification.

Ideal user: Buyers estimating purchasing capacity.

View planPriority 16

Plannedbuyer costs

medium complexity

Minimum Down Payment + CMHC Insurance Calculator

Check whether your down payment meets configured minimum rules.

Ideal user: First-time buyers calculating minimum money needed.

View planPriority 17

Plannedaffordability

medium complexity

Can I Buy With 5% Down or 20% Down Tool

See down payment gaps, payment differences, and risk factors.

Ideal user: Buyers deciding whether 5%, minimum, or 20% down is realistic.

View planPriority 18

Plannedaffordability

medium complexity

GDS/TDS Debt Ratio Calculator

Translate mortgage qualification ratios into plain English.

Ideal user: Buyers and renewing homeowners checking debt-service ratios.

View planPriority 19

First-Time Buyer Tools

Plan down payment, rebates, documents, monthly budget, and readiness before making an offer.

Plannedfirst time-buyer

medium complexity

First-Time Buyer Qualification Checker

Find top blockers before starting a pre-approval.

Ideal user: First-time buyers planning a purchase.

View planPriority 20

Plannedfirst time-buyer

low complexity

First-Time Buyer Roadmap Generator

Know the next three actions before you start shopping.

Ideal user: First-time buyers who want a step-by-step plan.

View planPriority 21

Plannedfirst time-buyer

medium complexity

Family Gift Down Payment Calculator

Prepare gift letter and source-of-funds documentation earlier.

Ideal user: Buyers using family help for down payment.

View planPriority 22

Plannedfirst time-buyer

medium complexity

First-Time Buyer Rebate Estimator

See rebate assumptions that need verification before closing.

Ideal user: First-time buyers estimating rebates.

View planPriority 23

Plannedfirst time-buyer

medium complexity

First-Time Buyer Monthly Budget Simulator

Compare what lenders may approve with what feels comfortable.

Ideal user: First-time buyers stress-testing monthly ownership.

View planPriority 24

Ontario / Ottawa Cost Tools

Understand Ontario and Ottawa closing costs, tax estimates, and local ownership tradeoffs.

Activeontario ottawa

low complexity

Ontario Land Transfer Tax + First-Time Buyer Rebate Calculator

Get a quick land transfer tax estimate for Ontario purchases.

Ideal user: First-time and repeat buyers calculating closing cash requirements.

Use toolPriority 7

Plannedontario ottawa

medium complexity

Ontario Closing Cost Calculator

Avoid underestimating cash needed at closing.

Ideal user: Ontario buyers preparing an offer budget.

View planPriority 25

Plannedontario ottawa

low complexity

Ontario Land Transfer Tax SEO Page

Capture Ontario land transfer tax search demand.

Ideal user: Ontario buyers searching directly for land transfer tax.

View planPriority 26

Plannedontario ottawa

medium complexity

Ottawa Closing Cost Calculator

Make cash-to-close planning more locally relevant.

Ideal user: Ottawa buyers preparing a cash-to-close plan.

View planPriority 27

Plannedontario ottawa

medium complexity

Ontario Property Tax Estimator

Include tax in affordability instead of treating it as an afterthought.

Ideal user: Buyers estimating carrying costs.

View planPriority 28

Plannedontario ottawa

medium complexity

Ottawa vs. Gatineau Housing Cost Comparison

See mortgage and carrying-cost differences before choosing a side.

Ideal user: NCR residents comparing Ottawa and Gatineau.

View planPriority 29

Activerates

low complexity

Mortgage Market Pulse

Use official benchmark data as market context before reviewing your mortgage options.

Ideal user: Ontario buyers and homeowners who want public rate-market context before a mortgage review.

Use toolPriority 30

Plannedrates

low complexity

Live Ottawa Mortgage Rate Tracker

Start with a transparent rate table before automation is added.

Ideal user: Active buyers and renewing homeowners looking for current market pricing.

View planPriority 31

Latermarket education

medium complexity

Rent vs. Buy Ottawa Edition

Evaluate renting versus buying with Ottawa-oriented assumptions.

Ideal user: Tenants deciding whether to buy or rent.

View planPriority 39

Latermarket education

low complexity

Guess the Ottawa Sold Price Daily Challenge

Create light market engagement without scraping unlicensed listings.

Ideal user: Passive buyers and Ottawa real estate watchers.

View planPriority 40

Specialist Situation Tools

Explore self-employed, bruised-credit, newcomer, separation, alternative lending, and risk-tolerance scenarios.

Plannedspecialist

medium complexity

Fixed vs. Variable Mortgage Decision Tool

Match mortgage type to risk tolerance without predicting rates.

Ideal user: Borrowers deciding between fixed and variable options.

View planPriority 31

Plannedalternative lending

high complexity

Bank Said No Alternative Lending Flowchart

Understand next steps after a bank decline.

Ideal user: Borrowers declined by major banks.

View planPriority 32

Plannedspecialist

high complexity

Spousal Buyout Mortgage Calculator

Prepare mortgage numbers for a separation-related buyout discussion.

Ideal user: Separating couples needing to buy out equity.

View planPriority 33

Plannedspecialist

high complexity

Self-Employed Mortgage Readiness Tool

Know which income documents may matter before applying.

Ideal user: Business owners, contractors, and self-employed borrowers.

View planPriority 34

Plannedspecialist

medium complexity

Ontario Newcomer Mortgage Readiness Tool

Learn mortgage-readiness next steps without immigration/legal advice.

Ideal user: Newcomers to Canada/Ontario preparing for homeownership.

View planPriority 35

Plannedspecialist

high complexity

Bruised Credit Mortgage Pathway Tool

Turn credit issues into a practical next-step pathway.

Ideal user: Borrowers with missed payments, collections, or weak credit.

View planPriority 36

Plannedspecialist

high complexity

Bruised Credit Mortgage Scorecard

Review Equifax/TransUnion-related signals and debt-service pressure.

Ideal user: Borrowers trying to repair or understand credit readiness.

View planPriority 37

Plannedspecialist

low complexity

Rate Hold Expiry Tracker

Avoid losing track of rate-hold deadlines.

Ideal user: Pre-approved buyers with a rate hold.

View planPriority 38