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.
Total cost of ownership vs renting. Equity building, opportunity cost, break-even.
RateGuard Pro Calculator Hub. All calculations use Canadian semi-annual compounding.