Calculators

Run your own numbers first. Then we check them together.

Every tool shows the one number that matters, explains what moved it, and offers to email you the result. Rules and constants were verified on 2026-09-16 and are shown on every page.

Before you buy

Am I ready to buy?

Five questions about status, income, savings and timing. Ends in a next step, not a score.

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How much can I afford?

Maximum price from your income and savings, and how the stress test changes it.

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Closing costs in Alberta

Legal fees, title registration, appraisal, adjustments. No land transfer tax here, but not zero.

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Your payment

Mortgage payment

Monthly, bi-weekly or weekly, with mortgage insurance when the down payment is under 20%.

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Self-employed income

The income a lender is likely to use from two years of returns and add-backs.

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Renewing or changing

Renewal savings

Your lender’s letter against a market rate, over the whole term.

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Penalty to break my mortgage

Three months’ interest versus interest rate differential, and why lenders differ.

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Renewal reminder

No maths. Tell us the month and we check the market 90 days before it.

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Coming after launch: rental cash flow, rent versus own, and a debt consolidation comparison. Estimates only; not offers of credit.

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Numbers make more sense with someone across the table.

Choose who you would like to talk to, then how. A first conversation costs nothing and commits you to nothing.

Cristina

Newcomers on work permits or PR, first-time buyers, renewals and refinances.

English · Español

Book a conversationWhatsAppApply online

Juan

First-time buyers, self-employed income, and files a bank has already declined.

English · Español

Book a conversationWhatsAppApply online

Sheryl

First-time buyers, self-employed professionals, refinancing and home equity.

English

Call 403 336 3463WhatsAppApply online

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