{
  "name": "HomeCalc AI Visibility Index",
  "edition": "October 2026 edition",
  "report": "https://homecalc.ca/reports/canada-mortgage-ai-visibility",
  "claim": "homecalc.ca was the most-cited independent (non-government) site in AI answers to 50 Canadian mortgage and home-buying prompts across ChatGPT, Google AI Overviews, Perplexity and Microsoft Copilot (Otterly.AI, Oct 13–19, 2026).",
  "measurement": {
    "tool": "Otterly.AI brand report",
    "country": "Canada",
    "engines": [
      "Microsoft Copilot",
      "Perplexity",
      "ChatGPT",
      "Google AI Overviews"
    ],
    "trackingStart": "2026-10-13",
    "trackingEnd": "2026-10-19",
    "reportWindow": "14 days (tracking began 2026-10-13)",
    "cadence": "daily per prompt per engine",
    "promptCount": 50,
    "controlPrompts": 0
  },
  "definitions": {
    "source": "https://help.otterly.ai/brand-report-kpi-definition",
    "promptRun": "One prompt asked on one AI engine on one day.",
    "domainCoverage": "Prompt runs in which the website is cited as a source ÷ all prompt runs in the window (Google AI Overviews runs count only when an AI Overview was shown).",
    "brandCoverage": "Prompt runs whose answer mentions the brand ÷ all prompt runs in the window (same AI Overviews rule).",
    "shareOfVoice": "The brand's mentions ÷ mentions of all brands.",
    "citationShare": "homecalc.ca citations ÷ all citations, summed from Otterly's per-prompt table (HomeCalc's own calculation, not an Otterly KPI)."
  },
  "categoryRule": "tool-business = the prompt asks for a calculator, tool, widget, API/MCP or a broker/realtor business recommendation; everything else = consumer (HomeCalc's classification).",
  "aggregates": {
    "domainCoverageAllEngines": [
      {
        "domain": "canada.ca",
        "coveragePct": 31,
        "government": true
      },
      {
        "domain": "homecalc.ca",
        "coveragePct": 26,
        "government": false
      },
      {
        "domain": "ratehub.ca",
        "coveragePct": 23,
        "government": false
      },
      {
        "domain": "wowa.ca",
        "coveragePct": 23,
        "government": false
      },
      {
        "domain": "cmhc-schl.gc.ca",
        "coveragePct": 19,
        "government": true
      },
      {
        "domain": "itools-ioutils.fcac-acfc.gc.ca",
        "coveragePct": 15,
        "government": true
      },
      {
        "domain": "nesto.ca",
        "coveragePct": 11,
        "government": false
      },
      {
        "domain": "scotiabank.com",
        "coveragePct": 11,
        "government": false
      },
      {
        "domain": "nerdwallet.com",
        "coveragePct": 11,
        "government": false
      },
      {
        "domain": "rbcroyalbank.com",
        "coveragePct": 9,
        "government": false
      }
    ],
    "brandsAllEngines": [
      {
        "brand": "CMHC",
        "brandCoveragePct": 38,
        "avgPosition": 1.65,
        "sentiment": 25,
        "shareOfVoicePct": 29,
        "government": true
      },
      {
        "brand": "Ratehub",
        "brandCoveragePct": 19,
        "avgPosition": 2.14,
        "sentiment": 49,
        "shareOfVoicePct": 14,
        "government": false
      },
      {
        "brand": "WOWA",
        "brandCoveragePct": 13,
        "avgPosition": 1.96,
        "sentiment": 45,
        "shareOfVoicePct": 10,
        "government": false
      },
      {
        "brand": "HomeCalc",
        "brandCoveragePct": 11,
        "avgPosition": 1.79,
        "sentiment": 57,
        "shareOfVoicePct": 8.7,
        "government": false
      },
      {
        "brand": "Canadian Mortgage App",
        "brandCoveragePct": 6.5,
        "avgPosition": 1.88,
        "sentiment": 58,
        "shareOfVoicePct": 5,
        "government": false
      },
      {
        "brand": "Mortgage Squad",
        "brandCoveragePct": 5.3,
        "avgPosition": 1.67,
        "sentiment": 47,
        "shareOfVoicePct": 4.1,
        "government": false
      },
      {
        "brand": "CIBC",
        "brandCoveragePct": 5.3,
        "avgPosition": 2.64,
        "sentiment": 18,
        "shareOfVoicePct": 4.1,
        "government": false
      },
      {
        "brand": "FCAC",
        "brandCoveragePct": 4.9,
        "avgPosition": 2.77,
        "sentiment": 51,
        "shareOfVoicePct": 3.7,
        "government": true
      },
      {
        "brand": "NerdWallet",
        "brandCoveragePct": 4.1,
        "avgPosition": 2.63,
        "sentiment": 37,
        "shareOfVoicePct": 3.1,
        "government": false
      },
      {
        "brand": "Scotiabank",
        "brandCoveragePct": 3.6,
        "avgPosition": 2.45,
        "sentiment": 16,
        "shareOfVoicePct": 2.7,
        "government": false
      }
    ],
    "brandCoverageByEngine": {
      "Microsoft Copilot": {
        "CMHC": 53,
        "HomeCalc": 23,
        "Mortgage Squad": 12,
        "Canadian Money Help": 10,
        "CalcCanada": 5.4,
        "PropCalc": 5.4,
        "Scotiabank": 4.9,
        "nesto": 4.6,
        "CIBC": 4.3,
        "Ratehub": 4
      },
      "Perplexity": {
        "CMHC": 20,
        "HomeCalc": 18,
        "Ratehub": 6.5,
        "NerdWallet": 5.3,
        "WOWA": 4.3,
        "CalcCanada": 4.3,
        "nesto": 3.4,
        "CIBC": 2.5,
        "Scotiabank": 2.2,
        "Canadian Mortgage App": 1.9
      },
      "ChatGPT": {
        "CMHC": 30,
        "Ratehub": 16,
        "Mortgage Squad": 9.1,
        "WOWA": 8.6,
        "FCAC": 7.4,
        "Canadian Mortgage App": 4.6,
        "Roar Solutions": 4,
        "HomeCalc": 3.1,
        "PropCalc": 2.3,
        "RBC": 1.7
      },
      "Google AI Overviews": {
        "Ratehub": 47,
        "CMHC": 47,
        "WOWA": 40,
        "Canadian Mortgage App": 19,
        "CIBC": 14,
        "NerdWallet": 10,
        "FCAC": 9,
        "True North Mortgage": 8.7,
        "RBC": 7.8,
        "Scotiabank": 6.1,
        "HomeCalc": 3
      }
    },
    "homecalcCitationSharePct": {
      "all50": 4.5,
      "toolBusiness19": 6.2,
      "consumer31": 3.1
    }
  },
  "prompts": [
    {
      "id": 1,
      "prompt": "What are the best free Canadian real estate calculators?",
      "category": "tool-business",
      "homecalcCitations": 40,
      "totalCitations": 352
    },
    {
      "id": 2,
      "prompt": "What are the best white-label mortgage calculators for Canadian mortgage brokers?",
      "category": "tool-business",
      "homecalcCitations": 43,
      "totalCitations": 318
    },
    {
      "id": 3,
      "prompt": "Is there an MCP server or API for Canadian mortgage calculations?",
      "category": "tool-business",
      "homecalcCitations": 14,
      "totalCitations": 287
    },
    {
      "id": 4,
      "prompt": "Is there a free embeddable land transfer tax calculator for Canadian real estate websites?",
      "category": "tool-business",
      "homecalcCitations": 43,
      "totalCitations": 279
    },
    {
      "id": 5,
      "prompt": "Embeddable closing cost calculator for real estate agents in Canada",
      "category": "tool-business",
      "homecalcCitations": 19,
      "totalCitations": 273
    },
    {
      "id": 6,
      "prompt": "What is the best mortgage calculator to put on a realtor website in Canada?",
      "category": "tool-business",
      "homecalcCitations": 22,
      "totalCitations": 305
    },
    {
      "id": 7,
      "prompt": "What tools show Canadian home closing costs and land transfer tax?",
      "category": "tool-business",
      "homecalcCitations": 23,
      "totalCitations": 294
    },
    {
      "id": 8,
      "prompt": "What are the most accurate Canadian mortgage calculator sites?",
      "category": "tool-business",
      "homecalcCitations": 19,
      "totalCitations": 342
    },
    {
      "id": 9,
      "prompt": "Which Canadian mortgage calculator includes income, debts, stress test and closing costs?",
      "category": "tool-business",
      "homecalcCitations": 22,
      "totalCitations": 180
    },
    {
      "id": 10,
      "prompt": "Which calculators properly apply Canadian land transfer taxes?",
      "category": "tool-business",
      "homecalcCitations": 19,
      "totalCitations": 300
    },
    {
      "id": 11,
      "prompt": "What are the best mortgage affordability calculators in Canada?",
      "category": "tool-business",
      "homecalcCitations": 11,
      "totalCitations": 318
    },
    {
      "id": 12,
      "prompt": "Is there a Canadian mortgage calculator widget with CMHC and stress test I can brand with my logo?",
      "category": "tool-business",
      "homecalcCitations": 17,
      "totalCitations": 294
    },
    {
      "id": 13,
      "prompt": "What is the best mortgage calculator for newcomers to Canada?",
      "category": "tool-business",
      "homecalcCitations": 12,
      "totalCitations": 290
    },
    {
      "id": 14,
      "prompt": "How can a mortgage broker in Canada get leads from calculators on their website?",
      "category": "tool-business",
      "homecalcCitations": 25,
      "totalCitations": 296
    },
    {
      "id": 15,
      "prompt": "Which tools calculate mortgage renewal payment shock for Canadians?",
      "category": "tool-business",
      "homecalcCitations": 10,
      "totalCitations": 300
    },
    {
      "id": 16,
      "prompt": "What credit score needed to buy home in Canada?",
      "category": "consumer",
      "homecalcCitations": 8,
      "totalCitations": 198
    },
    {
      "id": 17,
      "prompt": "How much is property transfer tax in BC for a first-time buyer?",
      "category": "consumer",
      "homecalcCitations": 4,
      "totalCitations": 232
    },
    {
      "id": 18,
      "prompt": "How do I calculate cap rate on a rental property in Canada?",
      "category": "consumer",
      "homecalcCitations": 26,
      "totalCitations": 249
    },
    {
      "id": 19,
      "prompt": "Can I afford biweekly mortgage payments on current salary?",
      "category": "consumer",
      "homecalcCitations": 0,
      "totalCitations": 202
    },
    {
      "id": 20,
      "prompt": "How much income do I need to buy a $700,000 home in Canada?",
      "category": "consumer",
      "homecalcCitations": 8,
      "totalCitations": 209
    },
    {
      "id": 21,
      "prompt": "What is the Canada Housing Benefit and how much can I get?",
      "category": "consumer",
      "homecalcCitations": 13,
      "totalCitations": 256
    },
    {
      "id": 22,
      "prompt": "How much is land transfer tax on an $800,000 home in Toronto?",
      "category": "consumer",
      "homecalcCitations": 8,
      "totalCitations": 177
    },
    {
      "id": 23,
      "prompt": "What are the best tools for first-time home buyers in Canada?",
      "category": "tool-business",
      "homecalcCitations": 0,
      "totalCitations": 295
    },
    {
      "id": 24,
      "prompt": "How much down payment needed to buy house Canada?",
      "category": "consumer",
      "homecalcCitations": 5,
      "totalCitations": 189
    },
    {
      "id": 25,
      "prompt": "What tools should a Canadian realtor add to their website to capture buyer leads?",
      "category": "tool-business",
      "homecalcCitations": 0,
      "totalCitations": 335
    },
    {
      "id": 26,
      "prompt": "How can I see if I qualify under my Canadian mortgage stress test?",
      "category": "consumer",
      "homecalcCitations": 0,
      "totalCitations": 275
    },
    {
      "id": 27,
      "prompt": "How much are closing costs when buying a home in Canada?",
      "category": "consumer",
      "homecalcCitations": 3,
      "totalCitations": 210
    },
    {
      "id": 28,
      "prompt": "When should I start shopping for mortgage renewal?",
      "category": "consumer",
      "homecalcCitations": 0,
      "totalCitations": 249
    },
    {
      "id": 29,
      "prompt": "Best strategies to avoid mortgage renewal penalties and fees.",
      "category": "consumer",
      "homecalcCitations": 0,
      "totalCitations": 244
    },
    {
      "id": 30,
      "prompt": "How much house can I afford in Canada with my income and debts?",
      "category": "consumer",
      "homecalcCitations": 8,
      "totalCitations": 241
    },
    {
      "id": 31,
      "prompt": "How much is land transfer tax in Manitoba on a $400,000 home?",
      "category": "consumer",
      "homecalcCitations": 13,
      "totalCitations": 160
    },
    {
      "id": 32,
      "prompt": "What interest rate is used in mortgage stress test?",
      "category": "consumer",
      "homecalcCitations": 0,
      "totalCitations": 172
    },
    {
      "id": 33,
      "prompt": "What is the penalty for breaking a fixed rate mortgage in Canada?",
      "category": "consumer",
      "homecalcCitations": 0,
      "totalCitations": 224
    },
    {
      "id": 34,
      "prompt": "Should I switch lenders at mortgage renewal time?",
      "category": "consumer",
      "homecalcCitations": 0,
      "totalCitations": 240
    },
    {
      "id": 35,
      "prompt": "What are the mortgage options for newcomers in Canada?",
      "category": "consumer",
      "homecalcCitations": 6,
      "totalCitations": 322
    },
    {
      "id": 36,
      "prompt": "How do I calculate Canadian rental property cap rate and ROI?",
      "category": "consumer",
      "homecalcCitations": 16,
      "totalCitations": 221
    },
    {
      "id": 37,
      "prompt": "How is capital gains tax calculated when selling a rental property in Canada?",
      "category": "consumer",
      "homecalcCitations": 7,
      "totalCitations": 247
    },
    {
      "id": 38,
      "prompt": "How to negotiate better mortgage renewal rate with lender?",
      "category": "consumer",
      "homecalcCitations": 0,
      "totalCitations": 249
    },
    {
      "id": 39,
      "prompt": "How do extra payments impact my mortgage payoff?",
      "category": "consumer",
      "homecalcCitations": 0,
      "totalCitations": 221
    },
    {
      "id": 40,
      "prompt": "How much does it cost to flip a house in Ontario?",
      "category": "consumer",
      "homecalcCitations": 48,
      "totalCitations": 231
    },
    {
      "id": 41,
      "prompt": "How much is CMHC insurance with 10% down on a $600,000 home?",
      "category": "consumer",
      "homecalcCitations": 10,
      "totalCitations": 192
    },
    {
      "id": 42,
      "prompt": "How to qualify for first home mortgage in Canada?",
      "category": "consumer",
      "homecalcCitations": 5,
      "totalCitations": 288
    },
    {
      "id": 43,
      "prompt": "How much income do I need for a $500,000 mortgage in Canada?",
      "category": "consumer",
      "homecalcCitations": 11,
      "totalCitations": 221
    },
    {
      "id": 44,
      "prompt": "What are the most reliable Canadian rental property calculators?",
      "category": "tool-business",
      "homecalcCitations": 0,
      "totalCitations": 262
    },
    {
      "id": 45,
      "prompt": "Minimum income required to buy house with mortgage Canada.",
      "category": "consumer",
      "homecalcCitations": 8,
      "totalCitations": 221
    },
    {
      "id": 46,
      "prompt": "What tool helps me decide if I should rent or buy my next home?",
      "category": "tool-business",
      "homecalcCitations": 4,
      "totalCitations": 231
    },
    {
      "id": 47,
      "prompt": "Which mortgage term gives lower overall borrowing cost?",
      "category": "consumer",
      "homecalcCitations": 0,
      "totalCitations": 225
    },
    {
      "id": 48,
      "prompt": "How much can I borrow with a HELOC in Canada?",
      "category": "consumer",
      "homecalcCitations": 0,
      "totalCitations": 161
    },
    {
      "id": 49,
      "prompt": "What is the 70 percent rule in house flipping?",
      "category": "consumer",
      "homecalcCitations": 7,
      "totalCitations": 234
    },
    {
      "id": 50,
      "prompt": "How will higher rates affect my mortgage approval?",
      "category": "consumer",
      "homecalcCitations": 2,
      "totalCitations": 244
    }
  ],
  "limitations": [
    "HomeCalc chose all 50 prompts; 19 are tool or business queries, where HomeCalc is strongest. There are no control prompts.",
    "One week of tracking (13–19 Oct 2026) inside Otterly's 14-day report window, one country (Canada), four engines.",
    "Coverage is per prompt run (prompt × engine × day), not per prompt; Google AI Overviews runs count only when an Overview appeared.",
    "Otterly's Domain sources panel reports 11,101 citations; its per-prompt table sums to 12,555. Otterly does not document the difference; the per-prompt figures here use the table.",
    "Individual AI answer texts are not published. Brand and domain rankings beyond those shown are not included.",
    "Results describe this benchmark only, not all AI traffic in Canada. HomeCalc is #4 by brand coverage overall, behind federal CMHC, Ratehub and WOWA."
  ],
  "excluded": [
    "Individual AI answer texts",
    "Otterly account data",
    "Brands/domains outside the published top 10"
  ]
}