Home 🧮 Residential Calculator 🏢 Commercial Calculator Lender Directory 📚 Learning Hub

Canadian mortgage tools for purchases, refinances & switches.

Compare payments, GDS/TDS ratios and rental income. See refinance payouts and cash remaining, explore scenarios, then print a clear PDF summary. Working on a commercial deal? Our DSCR calculator is here too.

One clear picture, from the first calculation to the client summary.

🎁 All Free 🔒 Inputs Stay in Your Browser 🧮 Pure Math, Zero AI 🍁 Made in Canada 🚫 No Login Required
Residential Calculator → Commercial DSCR →
Residential Calculator Results Commercial DSCR Calculator Results

Speed is useful. Accuracy is everything.

MyMortgageMate is built around one mission: giving brokers numbers they can trust, delivered instantly, and aligned with how lenders actually assess affordability.

Residential mortgage planning

Purchase, refinance or switch.
One calculator.

Keep the client's figures together as you explore their next move. Compare mortgage payments and ratios, then see exactly where the refinance proceeds go.

  • Model purchases, refinances, switches and transfers
  • Compare three scenarios with their own rates and amortizations
  • Include rental income from the subject property and other properties owned
  • Itemize the mortgage payout, costs, debts being cleared and cash remaining
  • Carry the figures into a clear, printable PDF summary
Open the Residential Calculator →

Mortgage Payout Balance

A clear breakdown of every dollar.

New mortgage$800,000
Existing mortgage payout−$600,000
Costs and penalties−$5,000
Debts paid from proceeds−$25,000
Cash remaining$170,000
Illustrative figures. Your calculation uses the payouts and costs you enter. Lending eligibility depends on the lender and deal.

Commercial Deals, Finally Solved.

Analyze multi-unit residential, mixed-use, office, retail and industrial deals with our purpose-built Commercial DSCR Calculator. Enter your rent roll, set expenses, and instantly see NOI, DSCR, and deal viability — all in one clean interface.

  • Full rent roll with unit types, quantities, and parking income
  • Automatic DSCR calculation with real-time updates
  • Vacancy & collection loss modelling
  • Comprehensive expense tracking with industry benchmarks
  • Professional Deal Synopsis export for lenders
Launch Commercial DSCR →
Commercial DSCR Calculator Results

One Button. Every Lender Tier.

Enter your client's income and liabilities. Hit the Max Power button. Compare estimated purchasing power under the A Lender, B Lender and High Ratio B models, all at once.

Every time you change a parameter, the Max Power button is your failsafe. One click recalculates everything.

No more guessing. No more switching between calculators. See the full picture in one second, every time.

Try Max Power on Residential →
📊 Illustrative Quick Entry
$128,800
$847
$5,000/yr
4.50%
⚡ MAX POWER
✓ Instant Results Across All Lender Tiers
A LENDER
$935,000
A LENDER FTB
$996,000
B LENDER
$1,170,000
HR-B LENDER
$1,766,000

Your numbers. A clear PDF summary.

Turn a purchase, refinance or switch calculation into a Mortgage Qualification Summary for your client and file. The refinance report includes the Mortgage Payout Balance, so the mortgage payout, costs, selected debt repayments and cash remaining are easy to follow. Commercial deals have their own Deal Synopsis with rent, expenses, NOI and debt service.

  • Purchase, refinance and switch summaries with GDS/TDS ratios
  • Commercial Deal Synopsis with full NOI waterfall, DSCR, and stress tests
  • Itemized refinance payouts, debts being cleared and cash remaining
  • Scenario rates, amortizations and lender-category badges match the calculator
  • Branded with MyMortgageMate.ca for professional credibility
  • Open the print view and choose Save as PDF. No signup required.
Residential Calculator → Commercial Calculator →
Residential Mortgage Qualification Summary Commercial Deal Synopsis

Most tools are either too basic for professionals or too clunky for real conversations. We built something fast, clear, practical, and precise, because in mortgage brokering, accuracy is the difference between confidence and chaos.

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Qualify in Seconds

Run a complete qualification while your client is still on the phone. Set expectations instantly. No more callbacks, no more guesswork.

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Transparent by Design

Every calculation is visible. Every ratio is explained. When you print that summary, your client understands exactly where they stand.

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Built with Protection

Warning popups, educational tips, and failsafes at every step. Reduce surprises at submission. Protect your workflow.

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Clear Qualification Estimates

GDS, TDS, stress test, rental income. Model the core numbers lenders review. Confirm credit, property and program eligibility with the intended lender.

Who This Is For

Mortgage Brokers

Your Competitive Edge

  • Industry-accurate qualification in seconds
  • Set expectations instantly while the client is on the phone
  • Reduce surprises at submission
  • Deliver clean summaries that protect your workflow
Real Estate Enthusiasts

Understand the Numbers

  • Understand affordability with real lender-style math
  • Run scenarios instantly with clear numbers
  • Learn what actually drives qualification
Training

Broker Trainees

Use the calculator to sharpen your broker instincts through real scenario-based practice.

  • Improve speed and confidence
  • Practice during quieter times
  • Get faster, cleaner, and more consistent

Explore the Learning Hub →

Building the Best Free Toolkit

No subscriptions. No premium tiers. Ever.

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Refinances & Switches

Compare payments, equity, debt payouts and cash remaining

Explore the calculator →
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Qualification Calculator

Complete GDS/TDS with multi-applicant support

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Broker Reference Sheet

Professional PDF export for your files

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Lender Directory

Compare lender requirements at a glance

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Learning Hub

Mortgage guides, tools and practical learning

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Document Checklist

Auto-generated based on income type & lending lane

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Commercial DSCR

DSCR calculator for commercial, multi-unit and mixed-use deals

Launch DSCR →
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Multiple Properties

Add-Back & Offset rental qualification with full carrying cost analysis

Try It Now →

🍁 Canadians Helping Canadians

Built by working mortgage brokers who care about clarity, speed, and accuracy. We are here to make the process easier to understand, and easier to deliver professionally, with numbers you can stand behind.

100s
Canadians Served
$100M+
Mortgages Funded
All
Free

Do you store my information?

Calculator inputs stay in your browser session unless you choose to export or share them. Display preferences are saved locally. The site uses Google Analytics for usage measurement.

💬 We're Listening

This tool exists because of feedback from brokers like you.

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Share Your Thoughts

Have an idea that could make this even better?

Share Your Thoughts →
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Tell Us Your Story

Has this helped in your business? We'd love to hear.

Tell Us Your Story →
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A review helps others find us.

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Technical issue? Contact support and we'll sort it out.

Ready to Qualify Your Next Client?

No signup or email required. Open the calculator and get to work.

Residential Calculator → Commercial Calculator →