No guesswork. No runaround. No pressure. Run the numbers yourself — then talk to a licensed mortgage broker who can actually make it happen.
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.
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.
No appointments. No pressure. Start with the tools and reach out when you're ready.
"The math is the easy part. The hard part is finding someone who'll actually explain it to you instead of just quoting a rate and hoping you don't ask follow-up questions."
I've spent over two decades closing that gap — licensed in Nova Scotia and Ontario, with private financing in the toolkit too, because "the bank said no" is rarely the end of the story. I answer my own phone. No call centre, no script, and I don't call you a lead. You're making one of the biggest financial decisions of your life, and you deserve a straight answer before a sales pitch. If that sounds like a low bar — you'd be surprised how few brokers clear it.
Start the ConversationFill 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.
Takes 60 seconds. No obligation.