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.
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.
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.
Renewal Countdown Calendar
Avoid leaving renewal comparison until the final weeks.
Ideal user: Homeowners who want renewal reminders and a planning timeline.
Fixed vs. Variable Mortgage Decision Tool
See how entered offers and payment-change scenarios interact with your stated priorities.
Ideal user: Canadian borrowers comparing the structure of entered fixed and variable mortgage offers.
Refinance & Debt Tools
Estimate cash-flow changes, penalties, breakeven points, and equity options before refinancing.
Refinance / Debt Consolidation Calculator
Estimate payment relief, total borrowing-cost change, and key refinance warnings.
Ideal user: Homeowners considering rolling high-interest debt into mortgage financing.
Refinance Breakeven & Penalty Analyzer
Review whether an entered penalty and closing costs may offset a refinance scenario.
Ideal user: Ontario homeowners deciding whether a refinance comparison may justify requesting a written payout statement.
Buyer Affordability Tools
Estimate maximum mortgage, purchase price, debt ratios, down payment needs, and mortgage default insurance.
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.
Minimum Down Payment + CMHC Insurance Calculator
See whether a planned down payment meets the estimate and how default insurance may affect cash and financing.
Ideal user: Canadian buyers comparing planned down payment, insured financing, and monthly payment scenarios.
GDS/TDS Debt Ratio Calculator
See how housing costs and monthly debts compare with common 39/44 planning guidelines.
Ideal user: Canadian homebuyers reviewing how income, housing costs, and debts may affect mortgage qualification.
Home Carrying-Cost Budgeter
See how a possible home's full monthly carrying cost fits your household cash flow.
Ideal user: Ontario buyers comparing a specific home's estimated ownership costs with their take-home household budget.
First-Time Buyer Tools
Plan down payment, rebates, documents, monthly budget, and readiness before making an offer.
First-Time Buyer Cash-to-Close Planner
See whether your down payment, closing costs, and emergency reserve are funded before making an offer.
Ideal user: Ontario first-time buyers turning savings and registered-plan funds into a purchase-readiness plan.
Mortgage Document-Readiness Checklist
Organize commonly requested identity, income, property, mortgage, and funds documents before a review.
Ideal user: Ontario buyers and homeowners preparing for a mortgage application, renewal, or lender-switch review.
Ontario / Ottawa Cost Tools
Understand Ontario and Ottawa closing costs, tax estimates, and local ownership tradeoffs.
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.
Ontario Closing Cost Calculator
Build a clearer cash-to-close range before making an offer.
Ideal user: Ontario first-time and repeat buyers preparing a purchase budget.
Rent vs. Buy: Ottawa Edition
Test how rent, financing, ownership costs, time, and editable assumptions change the comparison.
Ideal user: Ottawa renters and first-time buyers comparing a lease with a possible home purchase.
Ottawa Mortgage Rate Tracker
Follow rate observations and prepare better questions before requesting a lender-specific quote.
Ideal user: Ottawa buyers and homeowners who want educational rate context before comparing lender options.
Specialist Situation Tools
Coming soonExplore self-employed, bruised-credit, newcomer, separation, alternative lending, and risk-tolerance scenarios.
Special Situation Review
Coming soon — a guided review for self-employed, newcomer, credit-repair, or complex income scenarios.
Révision des situations particulières
Bientôt disponible — une révision guidée pour les travailleurs autonomes, nouveaux arrivants, dossiers de crédit à améliorer ou revenus complexes.