Phase 1 — Learning & Building Tools

Mortgage Intelligence

Tools, education, and a transparent journey from student to licensed Ontario mortgage agent. Built in public, one payment at a time.

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The Journey — Where I Am

Studying

Current

Learning the fundamentals of mortgage brokering, Ontario regulations, and financial products.

Started June 2026

Exam & Licensing

Completing the mortgage agent course, passing the exam, and registering with FSRA.

Coming soon

Active Agent

Joining a brokerage, serving clients, and building a practice focused on Ontario homebuyers.

Future

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Live Tool

Amortization Calculator

Interactive mortgage calculator with Canadian semi-annual compounding, 6 payment frequencies, prepayment support, and spreadsheet export.

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In Progress

My Journey

Follow my real-time path from studying mortgage fundamentals to becoming a licensed Ontario mortgage agent.

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Guides

Learn

Educational guides on Ontario mortgages — amortization vs term, payment frequencies, first-time buyer programs, and new 30-year rules.

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Coming as I Progress

Rate Comparison Tool

Affordability Calculator

Pre-Qualification Assessment

Ontario Mortgage Context: This section uses Canadian semi-annual compounding for fixed-rate mortgage calculations. Common amortization periods are 25 years (standard) with up to 30 years available for qualifying insured mortgages. Content is educational and does not constitute financial advice.