Mortgage tools
Decision tools that show the assumptions.
These calculators run in your browser and focus on deterministic mortgage, cash-flow and leverage math. They do not determine approval, qualification or lender-specific product availability.
Payment tool
BC mortgage calculator
Compare Canadian mortgage payment scenarios by amount, rate, amortization, term and payment frequency.
Refinance tool
Mortgage refinance comparison calculator
Compare an existing mortgage with a proposed refinance using user-entered penalty and closing costs, payments, interest and remaining balance.
Commercial cash-flow tool
Commercial NOI & DSCR calculator
Calculate illustrative effective property income, NOI, DSCR, operating-expense ratio and NOI less annual debt service from your own annual figures.
Commercial leverage tool
Commercial LTV & LTC calculator
Compare a proposed loan with property value and recognized project cost using deterministic LTV, LTC and unfinanced-amount math.
Commercial underwriting tool
Commercial debt yield calculator
Compare annual NOI with a proposed loan amount using the debt-yield ratio without applying a universal lender threshold.
Why these tools do not calculate “approval”
Mortgage approval depends on borrower, property, documentation, current lender rules and applicable qualification requirements. A deterministic tool should not turn incomplete information into a false approval or maximum-borrowing claim.
What happens to the numbers you enter?
The current calculator tools run in the browser. They are designed for scenario comparison and do not submit the entered mortgage, property cash-flow or leverage values through the website form.
Why rate-dependent tools need freshness controls
When a tool eventually depends on changing tax, regulatory, program or market-rate data, it should use a versioned source and review process rather than silently relying on stale values.