Mortgage Specialists

Mortgage Guidance, Built to Feel Simple.

Precision Ontario mortgage tools, Canadian compounding, OSFI stress test, and 2026 Toronto land transfer tax — all built in. Clear numbers, zero guesswork.

Explore Calculators Call +1 (647) 952-2740
Live Affordability Estimate
Estimated Home Price
$—
Max Mortgage
$—
Stress Test Rate
6.29%
Assumes 4.29% rate, 25-yr amortization, no other debts. Full details below.

Ontario Calculators

Three Tools. Total Clarity.

Pre-filled with 2026 OSFI and CMHC defaults. Every value is editable — override anything to run your own scenario.

01

Affordability Calculator

How much home you qualify for under Canada's federal stress test rules.

Default: 4.29% — update manually as market rates change. Edit to match your lender quote.
OSFI Qualifying Rate ?Federal rule: banks must test that you could still afford payments at your rate + 2% (minimum 5.25%). This protects you if rates rise. 6.29%
Qualifying Rate Used
GDS Limit
TDS Limit
Max Monthly Mortgage Pmt
Maximum Mortgage
Estimated Home Price
Want us to verify this number with real lenders? Book a free call or call +1 (647) 952-2740 — no cost, no credit pull.
02

Payment Calculator

Your true payment — including mortgage insurance if your down payment is under 20%.

Enter price and down payment to see insurance tier
Default: 4.29% — update manually as market rates change.
Base Mortgage
CMHC Premium ?Mortgage default insurance, required when your down payment is under 20%. The premium is added to your mortgage.
Ontario PST on CMHC (8%)
Total Insured Mortgage
Mortgage Payment
Total Pmt (incl. tax + heat)
Want us to verify this number with real lenders? Book a free call or call +1 (647) 952-2740 — no cost, no credit pull.
03

Ontario Closing Costs

Land transfer taxes, rebates, and fees — everything you pay on closing day.

Ontario Land Transfer Tax
Ontario FTB Rebate
Toronto Land Transfer Tax
Toronto FTB Rebate
PST on Mortgage Insurance
Professional Fees
Total Closing Costs
Want us to verify this number with real lenders? Book a free call or call +1 (647) 952-2740 — no cost, no credit pull.

What We Do

White-Glove Mortgage Services

From first inquiry to final close — dedicated guidance, transparent numbers, direct expert access.

Home Purchase Mortgages

First purchase, move-up buyers, or investment property — structured for your life, stress-tested for confidence.

Refinancing Strategies

Unlock equity, consolidate debt, restructure ahead of renewal — full breakeven and savings analysis included.

Premium Closing Guidance

Ontario and Toronto land transfer taxes, mortgage insurance, PST, legal — zero surprises on possession day.

Commercial Mortgage & Lending

Retail plazas, multi-unit residential, office, or business acquisition — commercial financing is coming soon. For commercial needs today, contact us directly.

Call for Commercial

Beyond the Mortgage

Guidance for Every Stage of the Journey

A mortgage is one moment — your finances are a lifetime. Every review below is completely free. No fees, no obligation, no sales pressure. Click any stage to see exactly what you get.

Before: Get Mortgage-Ready

Down payment savings plans, credit improvement, and a full audit of your accounts to find spending leakage.

+ What you get

Your money is leaking somewhere — we find it. In a free, judgment-free review of your accounts, we typically uncover $200–$600/month in forgotten subscriptions, bank fees, and quiet overspending. Redirected into a savings plan, that alone can build a down payment years faster.

  • Line-by-line spending review to plug the leaks
  • A month-by-month down payment roadmap with a target date
  • Credit score game plan so you qualify for the best rate
  • RRSP Home Buyers’ Plan & FHSA guidance — we work with a network of licensed investment professionals who can build a growth plan for your FHSA and savings, so a 2-year runway to a down payment works harder than a chequing account ever could
A recent client came to us thinking they were 4 years from a down payment. Our account review found roughly $800/month in overlapping subscriptions, unused memberships, and avoidable fees. Redirected into their FHSA, their timeline dropped to just over 2 years.

We take full ownership of your plan and check in along the way — at zero cost. You only ever “pay” us by trusting us with your mortgage when you’re ready.

During: Buy With Confidence

Stress-tested affordability, lender negotiation, and complete closing cost planning.

+ What you get

You should never walk into the biggest purchase of your life guessing. Before you offer on a single home, you’ll know your true budget, your exact closing costs, and your payment to the dollar.

  • Pre-approval strategy across multiple lenders — we negotiate, you save
  • A written “true cost” sheet: payment, insurance, taxes, closing — no surprises
  • Guidance on offer conditions, deposits, and closing timelines
  • Direct access to us seven days a week during your purchase
On a recent purchase, shopping the same file across three lenders moved the offer from 4.54% to 4.19% — about $23,000 less interest over the five-year term. Same client, same paperwork; the difference was negotiation.

One point of contact from pre-approval to keys. We own every step so you can focus on finding the right home.

After: Build From Your Home

Prepayment strategies, debt consolidation, and planning the move to your next property.

+ What you get

Most brokers disappear after closing. That’s exactly when we get to work. Your home is now your biggest financial tool — we make sure it works for you.

  • Annual free mortgage check-up: are you still on the best rate?
  • Prepayment playbook — shave years and tens of thousands in interest
  • Renewal negotiation so you never auto-sign a bad rate
  • Equity strategy for renovations, debt consolidation, or your next property
  • Smith Manoeuvre planning — a CRA-recognized strategy where, as you pay down your mortgage, you re-borrow the freed-up equity to invest. The interest on the investment loan becomes tax-deductible, and the tax refunds go back onto your mortgage. Done right (with a readvanceable mortgage and proper advice), it can convert non-deductible mortgage debt into a deductible investment loan and shave years off your payoff
One homeowner we advise restructured into a readvanceable mortgage and began a conservative Smith Manoeuvre in year two. Between tax refunds applied to principal and disciplined prepayments, their projected payoff moved from 25 years to roughly 19 — while building an investment portfolio alongside.

We stay your advisor for life, at no cost — because clients who win keep coming back, and bring their friends.

Free: The Mortgage-Ready Checklist

The exact 20-point checklist we use with clients — documents to gather, credit moves to make, FHSA/RRSP steps, and the traps that delay approvals. Yours instantly, no call required.

Questions

Frequently Asked Questions

Is this really free? What's the catch?
Yes — every review, plan, and consultation is free. Like all mortgage brokers in Ontario, we're paid a commission by the lender when your mortgage closes, not by you. You only ever "pay" us by trusting us with your mortgage when you're ready. If you never proceed, you owe nothing.
Will you pull my credit? Does it hurt my score?
Never without your explicit consent. Initial reviews and planning use numbers you share. When you're ready for a pre-approval, we do one soft-touch process across our lender network — multiple mortgage inquiries within a short window count as a single inquiry for scoring purposes.
Are these calculators accurate?
They use real Canadian rules: semi-annual compounding, the federal OSFI stress test, current CMHC premium tiers, and 2026 Ontario and Toronto land transfer tax brackets. They're estimates for planning — your final numbers come from a lender-verified pre-approval, which we'll do free.
Do you only work with one bank?
No — we shop your file across banks, credit unions, and monoline lenders, then negotiate. Lenders compete; you win.
What is the Smith Manoeuvre — and is it legal?
It's a CRA-recognized strategy: as you pay down your mortgage, you re-borrow the freed equity to invest, making that interest tax-deductible. Refunds go back onto the mortgage. It requires the right mortgage product, discipline, and professional tax advice — we build the mortgage side and coordinate with licensed advisors for the rest.
I'm self-employed / a contractor. Can you help?
Yes — incorporated professionals and self-employed buyers are a specialty. Lenders assess your income differently; we know which ones look at gross-ups, retained earnings, and stated income programs.

Contact Us

Let's Talk Numbers

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