Understand the Numbers

Use all of our mortgage calculators and tools inside James.

Affordability

Before you spend your way through your jeans, or settle for a Vespa when you could very well buy a rocket ship... Enter your details below to determine what you can afford.
You could afford a mortgage of around $0 on a variable rate, or $0 with a 5 year fixed rate. That is a $0 difference!

Payment

Enter your basics below to determine your monthly mortgage payment.
Your monthly payment is around $0.

Transfer Tax

Enter your details below, to determine the property transfer taxes for your province.
Your tax is $0.

Rate Check

Fill in your mortgage amount, current interest rate, and your term to see how much you'll save by getting James' best rate!
You could save $0 at our rate!

Variable Rate Strategy

Are you debating whether to go with a variable rate, versus a fixed rate? This will help you make that decision. Compare a 5 year variable rate to a 5 year fixed rate — just adjust the interest up or down to see how it affects your payment.
By using our simple variable strategy, you would save $0 over a fixed rate if the variable rate went up by 0% per year.

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That Oh So Important Financing Condition

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4 Things That Will Kill Your Mortgage Approval

So, you’ve worked hard to save every penny and have managed to finally afford the down payment ne...

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Verifying Your Down Payment - What You Need to Know

Saving for a down payment is often one of the biggest challenges facing young people looking to b...

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The Ideal Mortgage Qualifying Client

There are a million variables that determine how one can qualify for a mortgage. The banks, mortg...

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What Will Cause the 10 Year Fixed Rate Mortgage to Fluctuate?

Mortgage rates are influenced by many different variables.  Each one has an impact on the fluctua...

7/3/15 10:03 pm

What Will Cause the 7 Year Fixed Rate Mortgage to Fluctuate?

Mortgage rates are influenced by many different variables.  Each one has an impact on the fluctua...

7/3/15 10:02 pm

What Will Cause the 5 Year Fixed Rate Mortgage to Fluctuate?

Mortgage rates are influenced by many different variables.  Each one has an impact on the fluctua...

7/3/15 10:00 pm

What Will Cause the 4 Year Fixed Rate Mortgage to Fluctuate?

Mortgage rates are influenced by many different variables.  Each one has an impact on the fluctua...

7/3/15 9:59 pm

What Will Cause the 3 Year Fixed Rate Mortgage to Fluctuate?

Mortgage rates are influenced by many different variables.  Each one has an impact on the fluctua...

7/3/15 9:57 pm

What Will Cause the 2 Year Fixed Rate Mortgage to Fluctuate?

Mortgage rates are influenced by many different variables.  Each one has an impact on the fluctua...

7/3/15 9:56 pm

What Will Cause the 1 Year Fixed Rate Mortgage to Fluctuate?

Mortgage rates are influenced by many different variables.  Each one has an impact on the fluctua...

7/3/15 9:55 pm

How Popular are 10 Year Fixed Rate Mortgages?

Only 7% of mortgagees are opting to go with mortgage terms between 6 and 10 years.  Longer term m...

7/3/15 9:53 pm

How Popular are 7 Year Fixed Rate Mortgages?

Only 7% of mortgagees are opting to go with mortgage terms between 6 and 10 years.  Longer term m...

7/3/15 9:52 pm

How Popular are 5 Year Fixed Rate Mortgages?

The 5-year mortgage term represents 66% of all mortgages selected by homeowners.  The key reason ...

7/3/15 9:51 pm

How Popular are 4 Year Fixed Rate Mortgages?

Around 20% of Canadians have a mortgage term between two and four years, with this figure slightl...

7/3/15 9:51 pm

How Popular are 3 Year fixed Rate Mortgages?

Around 20% of Canadians have a mortgage term between two and four years, with this figure slightl...

7/3/15 9:50 pm

How Popular are 2 Year Fixed Rate Mortgages?

Around 20% of Canadians have a mortgage term between two and four years, with this figure slightl...

7/3/15 9:49 pm

How Popular are 1 Year Fixed Rate Mortgages?

The 1-year fixed rate mortgage is the least popular of all fixed rate mortgage terms with 6% of h...

7/3/15 9:48 pm
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