Mortgage Tools for Canadian Real Estate
Payments, stress test, renewals, prepayments, qualification, and amortization.
Canadian Mortgage Payment Calculator
Estimate payments, mortgage insurance, stress-test rate, and monthly carrying cost using Canadian assumptions.
Mortgage Stress Test Calculator
Estimate the qualifying rate and payment gap between contract rate and stress-tested rate.
Fixed vs Variable Mortgage Calculator
Compare fixed and variable mortgage payment trajectories with rate spread, annual differences, and horizon planning.
Blended Mortgage Rate Calculator
Estimate a blended rate and blended payment when taking a refinance advance or adding debt to an existing mortgage.
CMHC / Mortgage Default Insurance Calculator
Estimate loan-to-value, default insurance requirement, premium rate, premium amount, and insured mortgage amount.
Payment Frequency Comparison
Compare monthly, semi-monthly, biweekly, accelerated biweekly, and weekly payment estimates.
Lump Sum Prepayment Calculator
Estimate mortgage balance impact and interest saved from a lump-sum prepayment.
Amortization Schedule Builder
Build a year-by-year mortgage amortization table with principal, interest, and ending balance.
Refinance Calculator
Estimate refinance LTV, cash available, equity remaining, new payment, and monthly debt impact.
HELOC Payment Calculator
Compare interest-only HELOC payment with an amortizing payment scenario.
Mortgage Renewal Payment Shock Calculator
Compare current mortgage payment to renewal payment at a new rate and estimate monthly and annual payment shock.
Variable Rate Trigger Payment Calculator
Estimate whether a variable payment covers interest and what payment may be needed at a higher rate.
Mortgage Payoff Timeline Calculator
Estimate how extra monthly payments and lump sums can reduce payoff timeline and interest.
Mortgage Lead Triage Scorecard
Score a mortgage lead by timeline, documentation readiness, down payment clarity, debt pressure, renewal urgency, and referral fit.
Mortgage Renewal Rescue Planner
Build a renewal action plan from payment shock, deadline pressure, household budget gap, debt consolidation need, and refinance options.
Mortgage Document Readiness Checklist
Prepare a borrower for a mortgage review by organizing income, down payment, debt, property, renewal, refinance, and ID documents.
Realtor to Mortgage Broker Handoff Builder
Create a clean referral handoff summary with buyer timeline, budget, property context, risks, and consent-aware next steps.
Mortgage Broker Website Funnel Planner
Plan which calculators, CTAs, and follow-up paths a mortgage broker website should use for buyers, renewals, refinances, and investors.
Mortgage Qualification Gap Calculator
Estimate the gap between a target purchase and what income, down payment, or debt reduction may be needed to qualify.
Debt Paydown Before Buying Calculator
Compare which debts to pay down first to improve monthly cash flow and mortgage qualification comfort.
HELOC vs Refinance Calculator
Compare borrowing through a HELOC versus refinancing based on payment, interest-only cost, fees, and available equity.
Mortgage Renewal Document Handoff Checklist
Prepare a renewal borrower for a focused mortgage review with current statements, income, debt, property, and lender-offer information.
Mortgage Broker Client Meeting Checklist
Give a broker or borrower a practical meeting structure covering goals, income, debts, property, cash, qualification, and next actions.