Just here for the math? We respect that.
Real Canadian mortgage math, already loaded with today’s rates. Play with the numbers as much as you like — nobody’s watching, and nobody’s asking for your email.
What would it cost?
Your payment at any frequency, plus what you’d pay in interest over the life of the mortgage.
Find the house hiding in your spending.
Tap the splurges you could live without and watch them turn into real buying power — how much more home your monthly ‘whatever’ money actually buys, and the down payment it stacks up in three years.
What could I afford?
The purchase price lenders would likely approve, using the real GDS/TDS limits and the stress test.
What do I need on closing day?
Every dollar you’ll need beyond the down payment — legal, title, Alberta registration fees, insurance and adjustments.
Is buying worth it?
Compare the true cost of owning against renting and investing the difference over your time horizon.
What could I access?
How much equity you have, and how much a refinance or HELOC could realistically unlock.
Is your lender’s offer any good?
Put your renewal letter beside a competing rate and see the payment gap, interest saved and equity difference over the term.
Does breaking my mortgage pay off?
Weigh the penalty and fees against a lower rate, a new amortization or cash out — and see the break-even point.
What would breaking my mortgage cost?
Estimate your prepayment penalty — three months’ interest for variable, or the greater of that and the IRD for fixed.
What does waiting a year really cost?
See how price growth, a bigger down payment and missed principal paydown add up if you buy later instead of now.
How do lenders see my income?
Turn two years of net business income into the qualifying income lenders actually use — with the gross-up and add-backs.
What does a lump sum actually save me?
Drop a bonus, tax refund or inheritance on the mortgage and see the interest you skip and the years you shave off — one-time, every year, or both.
Could my equity buy the next one?
See how much of your home equity can become a down payment, whether your income qualifies for the second mortgage, and the real ceiling on your next purchase — a rental, or a move-up where you keep the old place.
Is this rental actually a deal?
Run any Canadian rental through the numbers lenders and seasoned investors use — cap rate, cash flow, cash-on-cash, DSCR and break-even rent — and get a straight Buy, Borderline or Walk.
What does this rental put in my pocket?
Model a rental purchase end-to-end — down payment, mortgage, operating costs — and see the monthly and annual cash flow, cap rate and cash-on-cash return before you write the offer.
Where should my extra $1,000 go?
Debt, extra mortgage payments or investing? Split your spare monthly cash any way you like and see the 10-, 15- and 25-year net worth of each path side by side — plus a refinance-and-consolidate option.
How big can my FHSA get?
Project your First Home Savings Account — tax refunds, tax-free growth, the $40,000 lifetime cap — and stack the Home Buyers’ Plan.
Let’s make your mortgage make sense.
Calculators are useful starting points. A strategy conversation includes the lender rules and details a calculator can’t see. No pressure. No mortgage-speak.
Let’s Talk MortgageYour mortgage questions live here.
Whether you’re buying, renewing, refinancing or simply trying to make the numbers behave, start with the service—or the Alberta community—that feels most like home.