Last reviewed: April 20, 2026
Key Takeaways
- All content is written by Hami Tahm, founder, and sourced from official Canadian government and regulatory publications.
- Every rule, rate, or statistic on the site links to the primary Canadian source — CMHC, CRA, OSFI, Bank of Canada, StatsCan, or a provincial ministry.
- AI tools are used in drafting. Every published article and calculator is reviewed and verified by Hami before publication — no unreviewed AI output ships.
- HomeCalc.ca has no paid placements in calculator logic and no sponsored changes to how a calculator computes.
- Corrections are made in the open with a bumped 'Last reviewed' date. If we got it wrong, we say so on the page.
Who writes HomeCalc.ca
HomeCalc.ca is written and maintained by Hami Tahm, founder, based in Toronto. Author bios and a full author page are at /authors/hami-tahm. Hami is not a licensed mortgage broker, lawyer, or Chartered Professional Accountant — the content is built on careful sourcing and careful math, not on professional licensure. For personalized advice, consult a licensed Canadian professional.
If HomeCalc.ca ever adds contributing authors, each will have a dedicated /authors/ profile with full attribution.
Sourcing standards
Every claim about a Canadian rule, rate, tax, or statistic on HomeCalc.ca is sourced from a primary Canadian publication:
- Mortgage insurance — CMHC (cmhc-schl.gc.ca)
- Federal tax, capital gains, principal residence, CCA — Canada Revenue Agency (canada.ca/en/revenue-agency)
- Mortgage qualifying rate, B-20 guideline — OSFI (osfi-bsif.gc.ca)
- Interest rates — Bank of Canada (bankofcanada.ca)
- Housing market data — Statistics Canada (statcan.gc.ca)
- Provincial tax, land transfer tax — Provincial ministries (fin.gov.on.ca, gov.bc.ca, and others)
- Municipal rules (e.g. Toronto MLTT) — City pages (toronto.ca)
What we do not use as primary sources: U.S. sites (Investopedia, NerdWallet, Rocket Mortgage, Bankrate), Wikipedia, competitor Canadian calculator sites, forums, or any source more than 24 months old for a rule that changes.
Every page that quotes a rule or number links directly to the source, names the source in the anchor text, and carries a “Last verified” date at the section or bottom of the page.
How we use AI
HomeCalc.ca uses AI tools (currently Claude, ChatGPT, Cursor, and Lovable) in drafting and implementation. Every article, calculator, and schema block is reviewed by Hami before it is published. No unreviewed AI output is shipped to the site.
Specifically:
- First drafts may be AI-assisted, then edited and fact-checked against the primary source.
- Calculator formulas are always verified against the original CMHC, CRA, or ministerial publication before code is written, and then unit-tested.
- AI is used as a drafting partner, not as a source. We never cite an AI response as the basis for a claim.
We believe transparent AI use with human review produces more accurate Canadian content than either pure AI or pure human drafting alone. We disclose it here because our readers deserve to know how content is made.
Independence and no paid placements
HomeCalc.ca is independently owned and operated by Hami Tahm. We do not accept:
- Paid placements inside calculator logic — no one can pay to change what a calculator computes.
- Sponsored articles or promoted content disguised as editorial.
- Gifts, fees, or incentives from financial institutions in exchange for favourable coverage.
HomeCalc.ca may, from time to time, include clearly disclosed affiliate links — for example, a link to a Canadian mortgage rate comparison service where we earn a commission if you click through and open an account. When this is the case:
- The link is labelled as an affiliate link or the page includes a disclosure at the top.
- Affiliate partnerships never change calculator outputs or article recommendations.
- We do not prioritize one provider over another in calculator results because of a commercial relationship.
If affiliate disclosure applies to any specific page, you'll see a note at the top of that page.
Corrections
If we get something wrong, we correct it openly:
- The page body is updated to reflect the corrected rule, rate, or number.
- The “Last reviewed” date is bumped.
- Where the error is material (a wrong rule, not a typo), a short “Correction” note is added near the top of the page noting what changed and when.
If you spot an error, email TahmHami@gmail.com with “Correction” in the subject line. Include the URL, the incorrect content, and the corrected version with its source. We take corrections seriously and usually publish them within a few business days.
Review cadence
- Tool pages (calculators): Reviewed monthly against the source of the rule the calculator applies. Updated immediately when a rule changes (for example, when CMHC updated the insurable cap on December 15, 2024).
- Blog posts and guides: Reviewed at least every six months, or sooner when a rule cited in the article changes.
- Glossary pages: Reviewed against the primary source each time the definition is cited on a new page.
- This editorial policy: Reviewed annually or whenever our practices change.
Every page shows its review date. If a date is old, please flag it — we prefer to fix stale content quickly.
Contact for editorial concerns
Editorial concerns, corrections, or feedback — email TahmHami@gmail.com with “Editorial” in the subject line.