Free mortgage tools built for Canadian residents, fellows, attending physicians, incorporated doctors, and physician investors. Projected income, PLOC strategy, and real Canadian mortgage math.
Uses your projected income, career stage, student debt, PLOC balance, and optional partner income to estimate how a physician file may qualify.
Open calculatorSame payment. Smarter structure. Less wasted interest. Test whether your mortgage, PLOC, renewal, and surplus cash flow can work harder together.
Start reviewPick your city, years left in training, and whether you plan to stay. Models your income jump and shows exactly when buying beats renting for your situation.
Open calculatorYour mortgage gets a report card from A+ to F, graded against physician-specific rates. See how your current deal stacks up against what's actually available to you.
Grade my mortgageShould you prepay your mortgage or invest through your PLOC? Compare after-tax borrowing costs, break-even returns, and see the five-year net difference.
Open calculatorModel a rental property purchase with real Canadian math. After-tax cash flow, cap rate, PLOC strategy for your down payment, qualification impact, and year-by-year projections for 14 cities.
Open calculatorEstimate your mortgage penalty before calling your lender. Covers IRD, posted rate differentials, and the fine print for major Canadian banks.
Open calculatorCompare fixed and variable rates across Bank of Canada scenarios. See which one wins over your full term, not just today.
Open calculatorSee how extra payments could save you thousands and chop years off your mortgage. Live chart with real Canadian semi-annual compounding math.
Open calculatorSee how a rate change, renewal, or amortization reset could affect monthly payment and total interest before you sign.
Open calculatorPhysician programs shift differently from the market. Projected income thresholds, PLOC treatment, lender-specific rules. Enter your email and I'll reach out when something relevant changes for your stage.