Nova Scotia & Ontario Licensed

Finally.
Straight
Answers.

No guesswork. No runaround. No pressure. Run the numbers yourself — then talk to a licensed mortgage broker who can actually make it happen.

Run the Numbers Talk to Pat
9
Free Calculators
NS + ON
Licensed
Zero
Pressure
What's my monthly payment?
Quick estimate — no sign-up required
Est. Monthly Payment
$2,618
Want the full picture? See all 9 calculators →
Sound Familiar?

Most people have no idea what they actually qualify for.

Between stress tests, CMHC rules, GDS ratios, and rates that change weekly — it's a lot. Most people Google it, get confused, and either give up or trust the first number a bank throws at them. There's a better way.

🤯
The Numbers Don't Add Up
You think you need 5% down. But on a $600K house that's actually not enough — and nobody told you. Our calculator explains exactly what you need and why.
⏳
The Bank Said No
Banks are lenders. Brokers are advisors. We have access to dozens of lenders and know which ones will say yes to your situation — including private options when conventional lenders won't move.
📞
Nobody Calls You Back
You fill out a form and hear nothing. Here, when you reach out you get Pat directly — a licensed broker in Nova Scotia and Ontario who actually picks up the phone.
Free Tools

Nine calculators. Real answers.

Every calculator uses correct Canadian math — semi-annual compounding, 2024 CMHC rules, stress test rates, and blended minimum down payment rules for homes over $500K. No American formulas. No approximations.

🏠
Purchase Calculator
CMHC premiums, minimum down payment rules, blended $500K+ calculation
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💵
Mortgage Payment
All 6 payment frequencies with correct Canadian compounding
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📊
Maximum Mortgage
Stress test, GDS/TDS ratios, dual income support
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💼
Required Income
What do you need to earn to qualify for your target mortgage?
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🔄
Renewal & Switch
Penalty calculation, break-even point, is it worth switching?
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⚖️
Debt Service Ratios
GDS/TDS with pass/fail — know where you stand before you apply
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🏷️
Closing Costs
Nova Scotia defaults, new construction HST, no surprises on closing day
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🗺️
Land Transfer Tax
All 10 provinces, first-time buyer rebates, Toronto municipal tax
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📐
Compare Mortgages
Fixed vs. variable, side-by-side — which option actually saves you more?
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How It Works

From curious to pre-approved in four steps.

No appointments. No pressure. Start with the tools and reach out when you're ready.

01
Run the Numbers
Use any of our nine free calculators to get a clear, accurate picture of what you can afford, what you'll pay, and what you need to qualify.
02
Get Your Questions Answered
See something you don't understand? Every calculator includes plain-language explanations. No jargon, no assumptions.
03
Reach Out When Ready
Fill out a short form and Pat will be in touch — usually same day. No call centre, no handoffs. You talk directly to your broker.
04
Get Pre-Approved
We shop your file across dozens of lenders — banks, credit unions, and private sources — and find the right fit for your situation.
Patrick Sawler
Licensed Mortgage Broker
Licensed — Nova Scotia
Licensed — Ontario (FSRA)
Craigburn Capital
🤖 This site is powered by AI tools and reviewed and approved by Patrick Sawler, a licensed mortgage professional. All advice is human-verified and regulatory compliant.
Why MortgageClarity.ai

The smartest friend you have — who happens to hold a mortgage license.

"Most people don't need a salesperson. They need someone who will give them straight answers and then help them act on it."

MortgageClarity.ai exists because most mortgage websites are either confusing or designed to push you toward a product. This one is designed to give you information first — and let you decide when you're ready to talk. When you are, you'll reach Pat directly. Not a call centre. Not a junior associate. Pat.

Start the Conversation

Ready to Make
This Real?

Fill out the short form and Pat will be in touch — typically same day. No pressure, no commitment. Just a conversation about where you're at and where you want to go.

Let's Talk Mortgages

Takes 60 seconds. No obligation.

Your information is never shared or sold. By submitting you consent to being contacted by Craigburn Capital regarding your mortgage inquiry.