https://mymortgagemate.ca/ 2026-09-22 monthly 1.0 https://mymortgagemate.ca/calculator.html 2026-09-22 weekly 0.9 https://mymortgagemate.ca/commercial-calculator.html 2026-09-16 weekly 0.9 https://mymortgagemate.ca/lender-directory.html 2026-09-22 monthly 0.8 https://mymortgagemate.ca/blog/ 2026-10-14 weekly 0.7 https://mymortgagemate.ca/blog/what-is-gds-ratio.html 2026-09-22 monthly 0.7 https://mymortgagemate.ca/blog/what-is-tds-ratio.html 2026-09-22 https://mymortgagemate.ca/blog/mortgage-stress-test-explained.html 2026-09-22 https://mymortgagemate.ca/blog/refinance-vs-switch.html 2026-09-22 https://mymortgagemate.ca/blog/rental-income-add-back-offset.html 2026-09-22 https://mymortgagemate.ca/blog/a-lenders-vs-b-lenders.html 2026-09-22 https://mymortgagemate.ca/blog/private-mortgage-lenders.html 2026-09-22 https://mymortgagemate.ca/blog/credit-union-mortgages.html 2026-09-22 https://mymortgagemate.ca/blog/minimum-down-payment-canada.html 2026-09-22 https://mymortgagemate.ca/blog/self-employed-mortgages-canada.html 2026-09-22 https://mymortgagemate.ca/blog/dscr-explained.html 2026-09-22 https://mymortgagemate.ca/blog/fixed-vs-variable-mortgages.html 2026-09-22 https://mymortgagemate.ca/blog/mortgage-renewal-guide.html 2026-09-22 https://mymortgagemate.ca/blog/mortgage-prepayment-penalties.html 2026-09-22 https://mymortgagemate.ca/blog/first-time-homebuyer-programs-canada.html 2026-09-22 https://mymortgagemate.ca/blog/amortization-25-30-years.html 2026-09-22 https://mymortgagemate.ca/blog/mortgage-default-insurance-canada.html 2026-09-22 https://mymortgagemate.ca/blog/multi-unit-financing.html 2026-09-22 https://mymortgagemate.ca/blog/mortgage-broker-vs-bank.html 2026-09-22 https://mymortgagemate.ca/blog/closing-costs-canada.html 2026-09-22 https://mymortgagemate.ca/blog/mortgage-preapproval-vs-prequalification.html 2026-09-22 https://mymortgagemate.ca/blog/credit-scores-and-mortgages.html 2026-09-22 https://mymortgagemate.ca/blog/understanding-mortgage-commitment-letter.html 2026-09-22 https://mymortgagemate.ca/blog/co-signing-and-guarantors.html 2026-09-22 https://mymortgagemate.ca/blog/debt-vs-down-payment.html 2026-10-14 monthly 0.7 https://mymortgagemate.ca/blog/basement-rental-income.html 2026-10-14 monthly 0.7 https://mymortgagemate.ca/blog/commercial-mortgage-dscr-vs-ltv.html 2026-10-14 monthly 0.7 https://mymortgagemate.ca/training/residential.html 2026-10-20 monthly 0.8 https://mymortgagemate.ca/training-videos/residential/residential-00-start-here.jpg Residential Calculator Start Here: Getting Started A quick tour: the welcome guide, the results bar with GDS and TDS, the six steps, Late Night Broker Mode, the question marks and Need help. https://mymortgagemate.ca/training-videos/residential/residential-00-start-here.mp4 74 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/residential/residential-01-income.jpg Residential Calculator Part 1: Income How Broker's Tips and Notes work, then enter each applicant's income: income types, pay frequency, gross amounts and the annual conversion. https://mymortgagemate.ca/training-videos/residential/residential-01-income.mp4 132 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/residential/residential-02-liabilities.jpg Residential Calculator Part 2: Liabilities Credit cards and lines of credit by balance, secured versus unsecured lines of credit, car and personal loans with their actual payments, student loans and repayment choices. https://mymortgagemate.ca/training-videos/residential/residential-02-liabilities.mp4 146 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/residential/residential-03a-properties-owned-add.jpg Residential Calculator Part 3A: Properties Owned: Add a property The first of four short videos. Add a property your client already owns, choose the occupancy, and enter the carrying costs that go into TDS. No other property or rental income? Skip to Part 4. https://mymortgagemate.ca/training-videos/residential/residential-03a-properties-owned-add.mp4 103 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/residential/residential-03b-properties-owned-rentals.jpg Residential Calculator Part 3B: Properties Owned: Rental properties Add a rental with its monthly rent, ownership percent and inclusion percent, and use the include rental income switch. https://mymortgagemate.ca/training-videos/residential/residential-03b-properties-owned-rentals.mp4 63 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/residential/residential-03c-add-back-vs-offset.jpg Residential Calculator Part 3C: Properties Owned: Add-Back vs Offset See how the Add-Back and Offset methods treat rental income and carrying costs, how each one changes TDS, and how switching to Offset can help on a B lender file. https://mymortgagemate.ca/training-videos/residential/residential-03c-add-back-vs-offset.mp4 91 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/residential/residential-03d-suites-and-more.jpg Residential Calculator Part 3D: Properties Owned: Suites and more properties Homes with a rental suite, adding and removing properties, collapsing cards, and reading the summary bar. https://mymortgagemate.ca/training-videos/residential/residential-03d-suites-and-more.mp4 53 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/residential/residential-04a-property.jpg Residential Calculator Part 4A: Property Start with Max Purchasing Power to see what your client qualifies for, then describe the property: purpose, type, province, price, down payment, rate, amortization and stress test. https://mymortgagemate.ca/training-videos/residential/residential-04a-property.mp4 112 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/residential/residential-04b-results.jpg Residential Calculator Part 4B: Results Read the payment, lender lane, GDS and TDS, then use Max Purchasing Power, the maximum purchase price table, cash required and transfer tax estimates. https://mymortgagemate.ca/training-videos/residential/residential-04b-results.mp4 66 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/residential/residential-05-scenarios.jpg Residential Calculator Part 5: Scenarios Compare three scenarios side by side by changing the down payment, rate and amortization. https://mymortgagemate.ca/training-videos/residential/residential-05-scenarios.mp4 45 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/residential/residential-06-print-save-reopen.jpg Residential Calculator Part 6: Print, Save and Reopen Print or save the PDF report, save an encrypted application file with a password, and reopen it later. Nothing is uploaded. https://mymortgagemate.ca/training-videos/residential/residential-06-print-save-reopen.mp4 74 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/residential/residential-07-pdf-report.jpg Residential Calculator Part 7: Your PDF Report A page by page look at the three page file printout: the client summary, the Broker Reference Sheet, and the document checklist built from your client's income. https://mymortgagemate.ca/training-videos/residential/residential-07-pdf-report.mp4 86 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training/commercial.html 2026-10-20 monthly 0.8 https://mymortgagemate.ca/training-videos/commercial/commercial-00-start-here.jpg Commercial Calculator Start Here: Getting Started A quick tour: the welcome guide, the results bar, the four steps, Broker Tips, the question marks, Late Night Broker Mode and where to get help. https://mymortgagemate.ca/training-videos/commercial/commercial-00-start-here.mp4 82 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/commercial/commercial-01-income.jpg Commercial Calculator Part 1: Income How Notes work on every tab, then build the rent roll: unit types, quantities, rent and parking with their frequencies, and vacancy and collection loss. https://mymortgagemate.ca/training-videos/commercial/commercial-01-income.mp4 84 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/commercial/commercial-02-expenses.jpg Commercial Calculator Part 2: Expenses Enter operating expenses with the seven pre-loaded categories, add your own, and set the replacement reserve to arrive at net operating income. https://mymortgagemate.ca/training-videos/commercial/commercial-02-expenses.mp4 64 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/commercial/commercial-03-mortgage.jpg Commercial Calculator Part 3: Mortgage Set purchase or refinance, price, down payment, rate and amortization, then the stress test and acquisition costs. The loan is capped at 75% of value. https://mymortgagemate.ca/training-videos/commercial/commercial-03-mortgage.mp4 60 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/commercial/commercial-04-results.jpg Commercial Calculator Part 4: Results Read the DSCR and stressed DSCR, the illustrative coverage bands, the NOI waterfall, cash flow, investment returns and the stress test scenarios. https://mymortgagemate.ca/training-videos/commercial/commercial-04-results.mp4 70 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/commercial/commercial-05-changing-scenarios.jpg Commercial Calculator Part 5: Changing Scenarios Test a different down payment, stress buffer, price or a refinance, and watch every result update instantly. https://mymortgagemate.ca/training-videos/commercial/commercial-05-changing-scenarios.mp4 51 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/commercial/commercial-06-print-save-reopen.jpg Commercial Calculator Part 6: Print, Save and Reopen Print or save the Deal Synopsis, save an encrypted application file with a password, and reopen it later. Nothing is uploaded. https://mymortgagemate.ca/training-videos/commercial/commercial-06-print-save-reopen.mp4 82 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training-videos/commercial/commercial-07-deal-synopsis.jpg Commercial Calculator Part 7: The Deal Synopsis A page by page look at the Deal Synopsis you send to commercial lenders: DSCR, NOI waterfall, financing, returns, stress tests, rent roll, expenses and the document checklist. https://mymortgagemate.ca/training-videos/commercial/commercial-07-deal-synopsis.mp4 98 2026-10-20T00:00:00-06:00 yes https://mymortgagemate.ca/training/ 2026-10-21 monthly 0.8 https://mymortgagemate.ca/training/privacy.html 2026-10-21 yearly 0.3