My Mortgage Plan
Answer a few quick questions and get a clear, personalized estimate — your buying power, payments and next steps.
Your preliminary plan
Here's your mortgage snapshot
Estimated buying power
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Estimated monthly payment
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Minimum down payment
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Payments are estimated at Prime − 1 — currently 4.45% − 1.00% = 3.45% (Prime as of 2026-07-14). Buying power is calculated at the federal qualifying rate of 5.45% (the "stress test" every lender must apply) — your actual payment is based on the lower contract rate, not the stress-test rate.
Documents you'll likely need
Your next steps
This is an estimate — not a mortgage approval. Payment estimates use an illustrative rate of
Prime − 1 (3.45%) and standard qualifying rules (reviewed 2026-07-14). Rates and
policies change, your rate depends on your qualification, and every approval depends on the lender, the
property and your complete financial profile. A short conversation gives you real numbers. O.A.C.
Want the real numbers? Send this plan to Garry.
I'll review your scenario and reply in less than an hour — free, no credit check, no obligation.
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Plan sent!
Thanks — I've got your scenario and will reach out in less than an hour (often sooner).
