Structure a compliant, transparent purchase—whether you’re upsizing, downsizing, or relocating.
Pragmatic models affordability, CMHC premiums, land-transfer taxes, and cash-to-close so you know your absolute numbers before an offer goes out. Every scenario runs through our Smart Finder and Supabase-backed calculators to keep lenders, insurers, and CASL compliance happy.
Scenario discovery, lender fit, and qualification ratios. We verify income, employment, and down-payment sources—whether funds are in Canada or coming from abroad. Risk notes, like gifted down payments or variable-income files, are flagged early so you can negotiate with confidence.
We also coordinate with your realtor, lawyer/notary, and insurer so conditions, appraisal timing, and rate holds line up with key dates. All documents live in the secure dashboard with perfect RLS and audit trails.
Borrowing rules evolve quickly. We stress-test every file at the Minimum Qualifying Rate, document employment and rental projections, and keep CASL consent records for every email. If you plan strategies like the Smith Manoeuvre / Maneuver or cash/rental damming, we’ll introduce qualified tax professionals so you understand the risk profile before you proceed.
Most insured purchases require 5% on the first $500,000 and 10% on the balance up to $1M. We model CMHC premiums and provincial land-transfer incentives so you know the net cash required before you write an offer.
We check income caps, property price limits, and stress-test ratios in the calculators before we submit anything to the lender or government program.
We outline lender conditions, appraisal timing, and document requirements so you only remove subjects when every box is green. No surprises on closing day.