HomeCalc.ca

    White-Label Mortgage Calculators for Canadian Mortgage Brokers

    Put Canadian mortgage qualification math on your brokerage's own site — your brand, your leads — built around what a broker actually needs at intake, at renewal, and mid-conversation with a client.

    Built around the broker workflow

    A realtor's site needs affordability and rent-vs-buy. A brokerage needs qualification math: GDS/TDS ratios, the stress test, insured vs. insurable vs. uninsurable classification, and renewal comparisons — the tools below are the ones brokers ask for first.

    Broker-focused tools in the suite

    Insured vs insurable vs uninsurable comparison

    Classify a mortgage and compare payment and GDS/TDS qualification across all three categories side by side — a broker-only tool not on the public site's simplified set.

    See the public version →

    Mortgage qualifier calculator

    How much mortgage a client will likely qualify for, by income or monthly budget, using GDS/TDS ratios and the federal stress test.

    See the public version →

    Mortgage stress test calculator

    OSFI B-20 qualifying-rate math — how much the stress test reduces a client's buying power.

    See the public version →

    Mortgage renewal & refinance calculator

    Old vs. new payment at renewal, rate scenarios, and a stay-vs-switch comparison — built for the renewal conversation.

    See the public version →

    Mortgage penalty calculator

    Three-months'-interest vs. IRD penalty estimate for clients considering breaking a mortgage early.

    See the public version →

    HELOC & second mortgage calculator

    How much a client can borrow against home equity, HELOC vs. second mortgage side by side.

    See the public version →

    Plus the full consumer suite

    White-label licenses all 26 HomeCalc calculators, not just the broker-specific ones above — affordability, closing costs, land transfer tax, down payment, and more, so a client can start with a simple question and end up qualified.

    Leads route to you, not HomeCalc

    A borrower who fills out a lead form inside your branded calculators is routed to a partner-owned record you can query or export. HomeCalc never owns or resells it.

    Pricing

    Pricing depends on how many calculators you license. Request a quote below — see the full white-label page for how integration, data handling, and rule maintenance work.

    Get white-label calculators for your brokerage

    Frequently asked questions

    The full consumer suite plus broker-grade tools the public site keeps simple on purpose — the insured vs insurable vs uninsurable comparison (payment and GDS/TDS qualification side by side across all three categories), mortgage qualifier, stress test, and renewal/refinance comparison.

    Yes. The qualifier and stress test tools apply the OSFI B-20 qualifying rate and standard GDS/TDS thresholds, the same math used on the public site and kept current as OSFI rules change.

    Yes — the mortgage renewal calculator compares a client's old vs. new payment at renewal, models rate scenarios, and helps frame a stay-vs-switch conversation, which is a common broker use case at renewal time.

    They're yours. Leads captured through your branded deployment are routed to a partner-owned record you can query or export — HomeCalc never sees or owns them.

    White-label puts branded calculators on your own site so visitors who are already yours stay engaged and their leads route to you. The separate mortgage-leads product sells qualified borrower leads generated on homecalc.ca itself — the two are independent and can be used together.

    Realtor instead? See white-label calculators for realtors.

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