Which of these best describes your situation?

Be honest — there's no wrong answer. This determines your game plan.

What is your household income before taxes?

Include all income sources for everyone who will be on the mortgage application.

How much have you saved for a down payment?

Include savings, investments, FHSA, RRSP, or any gift from family.

Approximately how much do you pay toward debts each month?

Include car loans, student loans, credit card minimums, lines of credit — anything that shows up on your credit bureau. Do not include rent.

What is your target home price?

Drag the slider to your target — or select "I just want to know my maximum" below.

How would you describe your credit score?

This directly affects which lenders and rates are available to you. Be as accurate as you can.

How are you paid? Select all that apply.

Lenders treat different income types very differently — this is one of the most important questions we ask.

Do you have a mortgage pre-approval in place?

Knowing where you stand helps us figure out the right next step for you.

What are your total monthly payments toward debts — excluding your mortgage?

Include car loans, credit card minimums, lines of credit, student loans — anything that goes out every month.

Do you currently carry balances on credit cards?

Credit card interest averages 19–22%. This is often the most expensive debt people carry without realizing it.

After all your monthly expenses, how much do you typically have left over?

Think mortgage, loans, bills, gas, groceries, kids' activities — everything. What's actually left at the end of the month?

Approximate value of your home?

This helps us understand how much equity you may be able to access.

What is your current mortgage balance?

What is your current mortgage rate?

When was the last time your bank proactively reviewed your mortgage strategy with you?

Not a renewal notice — an actual strategy conversation about whether your mortgage is still working for you.

What is your current mortgage balance?

What is your current interest rate?

Do you have extra monthly cash flow available?

Even $200–$300 extra per month can take years off your mortgage. Be honest here.

What is your main goal?

When is your mortgage up for renewal?

What is your current mortgage rate?

If your payment increased significantly at renewal, how would that impact your household?

Have you reviewed your mortgage options recently?

Not just accepted the renewal offer your bank sent — actually compared options across lenders.

What is the estimated value of your current home?

What is your remaining mortgage balance?

Why are you planning to move?

What is your timeline for moving?

What stage are you in?

There's no judgment here — we help families through every stage of this transition.

What is your current housing situation?

What is your biggest concern right now?

What would help you most right now?