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The Fastest Way to Qualify Canadian Mortgages — Residential & Commercial

Qualify residential clients in seconds, or analyze commercial deals with our DSCR calculator. Industry-accurate math, instant results, professional outputs built by Canadian brokers, for brokers.

Instant results, professional accuracy, zero guesswork.

🎁 All Free 🔒 No Data Collected 🧮 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.

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. Instantly see where they qualify across A Lenders, B Lenders, and High Ratio B, 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 →
📊 Quick Entry Mode
$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

Save, Share, and Stay Protected.

Two professional-grade PDF exports built for the real world. Your Mortgage Qualification Summary gives residential clients a clear snapshot of where they stand. The Commercial Deal Synopsis goes further — it has been reviewed and approved by Canadian lenders as the starting point to move commercial files forward. One click, instant clarity, lender-ready output.

  • Residential Mortgage Qualification Summary with GDS, TDS, and max purchase power
  • Commercial Deal Synopsis with full NOI waterfall, DSCR, and stress tests
  • Deal Synopsis format approved by Canadian lenders as a stepping stone for commercial submissions
  • Branded with MyMortgageMate.ca for professional credibility
  • Print-ready, one-click PDF generation — 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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Lender Accurate

GDS, TDS, stress test, rental income. All of it matches what institutions actually use. If it qualifies here, it qualifies there.

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

🎮 Interactive training game coming soon

Building the Best Free Toolkit

No subscriptions. No premium tiers. Ever.

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Qualification Calculator

Complete GDS/TDS with multi-applicant support

Live
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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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News & Learning Centre

Rates, market updates and industry news

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Document Checklist

Auto-generated based on income type & lending lane

Live
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Commercial DSCR

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

Launch DSCR →
Soon
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Live Rate Comparison

Compare lender rates side by side

Live
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Multiple Properties

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

Try It Now →
Soon
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Multi-Family CMHC

Multi-family financing centre

Soon
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Training Simulator

Interactive game using the calculator with live scenarios

🍁 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?

No personal data is stored. Every visit is a fresh session, and your inputs remain in your browser unless you choose to export a PDF.

💬 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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Support the Mission

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. No email. No data stored. Just open the calculator and get to work.

Residential Calculator → Commercial Calculator →