What this is, and what it is not
Is: a sourced, dated calculator your client can use without leaving your site, themed to your brand.
Is not: a compliance instrument. It does not replace FSRA’s written disclosure in Ontario or BCFSA’s in British Columbia — and a broker licensed elsewhere answers to their own regulator, not to us.
Not yet: lead capture. A compliant build would need structured disclosure fields per regulator, a stated destination for the lead, and a privacy notice on your own site — which is why we scope it per broker rather than ship a generic form.
The tools
Land Transfer Tax
All provinces and territories, Toronto and Montréal municipal tax, and first-time buyer rebates where they apply.
Mortgage Affordability
The federal qualifying-rate stress test, dated 8 October 2026.
- Formulas last verified7–8 October 2026, dated on each calculator
- SourcesOSFI, CMHC, provincial statutes
- Tests55 suites, run from one command
- FoundersMeet the team
- Client referencesnone published yet — we would rather show none than invent one
Rates
Lead capture is scoped per broker, from $1,500, because the disclosure fields depend on your regulator.
The affordability tool applies the federal qualifying-rate test: an insured mortgage has to pass it at any lender, and OSFI’s version for uninsured mortgages binds federally regulated lenders. Check any figure against the specific lender’s own criteria before sharing it with a client.
Questions
Does this replace my disclosure obligations?
No. A calculator is not a disclosure document. Your FSRA-mandated disclosure in Ontario, or BCFSA’s in British Columbia, still has to happen exactly as your regulator requires — this page and the embed sit alongside that, not instead of it. In Ontario specifically, FSRA also requires your brokerage’s name and 5-digit licence number on every public-relations and advertising material, websites included — embedding this calculator doesn’t change what your own site already has to show.
Everyone sells calculator widgets, why you?
Generic widget vendors ship a calculator with no citation, no date and no way to check the math. Every figure here traces to a dated government or regulator source, is re-derived by hand before release, and ships with a runnable test file — see our methodology.
Where is the affordability tool everyone else has?
It exists, and it is dated: 8 October 2026, at Mortgage Affordability. We built land transfer tax first because it is the number buyers ask about earliest — affordability follows the same verification process, not a faster one.
Does the stress-test number apply to every lender I place deals with?
Not always. An insured mortgage (less than 20% down) has to pass the federal qualifying-rate test whichever lender makes the loan. For an uninsured mortgage the test is OSFI’s, which binds federally regulated lenders such as banks and federal trust and loan companies; a provincially regulated lender making an uninsured loan follows its own regulator, so check the specific lender’s own criteria before sharing the number with a client.