Website terms
Terms of Use
The calculators and guides on this website are provided for general educational and estimation purposes only. They are intended to help users compare mortgage renewal scenarios and prepare questions for their lender or mortgage professional. They do not replace a written mortgage offer, personalized financial advice, legal advice, tax advice, or professional mortgage guidance.
Educational Tools Only
We try to make the calculators and guides clear and useful, but mortgage rates, lender policies, fees, penalties, and amortization rules can vary. Final mortgage details should always be confirmed with your lender, mortgage broker, or qualified financial professional.
Accuracy of Calculations
We aim to use clear assumptions and common Canadian mortgage calculation concepts. However, final payments may depend on lender-specific rounding, compounding, payment dates, fees, taxes, insurance, prepayment rules, and penalty calculations.
No Financial Advice
Nothing on this site should be treated as a recommendation to renew, refinance, switch lenders, make a prepayment, choose a specific rate type, or select a mortgage product. Confirm important decisions with a qualified professional.
User Responsibility
You are responsible for checking the information you enter and for confirming all mortgage details with your lender or mortgage professional before making decisions.
External Links
Some pages may link to third-party websites for additional context. We are not responsible for the content, policies, or availability of external websites.
Changes to These Terms
We may update these terms as the website changes. Continued use of the site means you accept the current version of these terms.
Contact About These Terms
If a term on this page is unclear or if you notice a possible issue with how a calculator or guide is described, please contact us through the Contact page. We review material corrections and may update this page as the website develops.