01
Worksheets & checklist
Open a guide first, then save or print it from the PDF viewer if you want a copy.
PDFs · general planning guides
Rose CityCapitalStart a conversationInteractive mortgage tools
Plan your next move without the spreadsheet spiral.
These are educational planning tools, designed to help you arrive at a mortgage conversation with clearer questions. They are not advice, an approval or a lender quote.
01 — Mortgage match quiz
Where should you start?
Answer the five quick questions. Your first answer sets the route; the rest help you frame the conversation.
Your starting point
Start with a purchase plan.
Build an all-in budget, organize the file and understand the offer before you shop seriously.
Explore buyingStay ready
Keep the next mortgage decision from becoming a last-minute one.
Three simple resources you can use privately before you need a detailed conversation.
02
Renewal countdown
Enter your renewal date to see when it is time to begin a calm comparison.
03
Rate watch
Get occasional general mortgage-rate updates and practical planning notes.
Common questions
Answers before you commit.
What does an Ontario Mortgage Agent Level 1 help with?
A Mortgage Agent Level 1 works through a licensed brokerage and may assist with mainstream mortgage options for purchases, renewals, switches, and refinances. The right approach depends on your individual circumstances.
Do I need to renew with my current lender?
Not automatically. Comparing the rate, terms, prepayment flexibility, and your future plans can help determine whether staying or switching makes more sense.
What costs should Ontario buyers plan for?
Along with a down payment, plan for land transfer tax, legal fees, title insurance, appraisal-related costs where applicable, moving costs, and a healthy post-closing reserve.
Keep learning
Finished a tool? Open the guide behind the next decision.
Use the Mortgage Help Library for the longer explanation, useful prompts and Ontario-specific planning context.
Open Mortgage Help Library