Free financing tools and plain-language guides, residential and commercial, built by our team for homeowners, investors, and developers. Use them to get oriented, then reach out and we will turn the numbers into a plan for you.
Estimate your payment, monthly or bi-weekly.
What you could qualify for, with the stress test.
Your balance over time, with extra payments.
See the interest and time you could save.
Estimate the insured mortgage premium.
NS deed transfer tax and cash to close.
Roll debts in and see the new payment.
Estimate the credit your equity could support.
Estimate a prepayment penalty before renewing.
Finance renovations into your mortgage.
Estimate your qualifying income.
Where you could stand after a few years, each way.
A market snapshot. Contact us for your rate.
How much income can support, before lenders.
Whichever test binds, DSCR or leverage.
Payments on amortizations up to 50 years.
Value a property from its income.
The leverage check lenders run alongside DSCR.
Underwritten NOI on CMHC benchmarks, all regions.
Estimate your tier, discount, and amortization.
Estimate the interest reserve for a build.
Equity you could pull, and the new payment.
Size on blended residential and commercial income.
The programs, MLI Select points, and how it works.
Programs for co-ops, land trusts, and non-profits.
Why it is hard, and how we make it work.
Sample residential rates are above. Our commercial rate and market notes page is live, with a live rate ticker and the monthly Market Note. See the market-rates page. As always, a posted or benchmark rate is not the rate you are offered, so reach out for yours.
Run the numbers, then let us turn them into a plan, residential or commercial. There is no cost to talk it through.
Start a conversationAll tools and guides are for general information and illustration only and are not financial, legal, or lending advice, an offer of financing, a pre-approval, or a guarantee of qualification, rate, or terms. Results depend on your situation, the property, the program, and lender and CMHC review, and insured and conventional financing can differ. Confirm current figures and program details with us. TMG HarbourTown Mortgage Inc., Licence #3000145.