Every tool a broker needs. Data entered once flows everywhere.
Closing costs, LTT by province, CMHC, monthly budget, GDS/TDS, down payment efficiency, lender comparison.
Compare current vs new options. Switch costs, break-even, net benefit, lender features.
Closing costs, penalty, equity available, monthly savings, break-even analysis.
Before/after household payment. Consolidate credit cards, car loans, LOCs at mortgage rates.
Is All-In-One right for this client? Income parking analysis, 5-year comparison, structure recommendation.
Turn mortgage interest into tax deductions. HELOC readvance, investment growth, net wealth projection.
Estimate prepayment penalties for any lender. IRD vs 3-month interest, lender-specific rules. Uses live lender data.
Penalty vs savings for any lender. Search a client or enter manually. Verdict, timeline, 3+ scenarios, roll vs pay, and presenter mode.
Compare fixed and variable scenarios with BoC rate forecasts. Year-by-year breakdown, break-even analysis.
Net proceeds from sale, purchase budget, bridge financing, and timing.
Cash flow, cap rate, ROI, financing options for investment properties.
Total cost of ownership vs renting. Equity building, opportunity cost, break-even.
RateGuard Pro Calculator Hub. All calculations use Canadian semi-annual compounding.