Free · 3 minutes · No credit pull
Stop rate shopping. Start cost-of-borrowing shopping.
The lowest rate isn't the cheapest mortgage. Penalties, charge type, and prepayment terms can cost you far more than a few basis points. This free tool from Jordan Avery runs the real Canadian numbers and shows you every one of the 160+ lenders that fits you, in plain language.
No sign-up. No SIN. Your credit is never pulled and your information is never sold.
Sound familiar?
Buying a home and staring at a wall of rates, terms, and lenders you've never heard of?
Renewal coming up and your bank is quietly hoping you'll just sign whatever they mail you?
Thinking about refinancing but not sure whether the penalty makes it worth it?
Heard about lenders with better rates or fairer penalties than your bank, but don't know where to start?
If any of that sounds like you, start here. See which Canadian lenders actually fit your situation and understand the costs nobody volunteers. Then, when you're ready, Jordan can take it from matches to a mortgage.
The $17,000 question
Break a typical $500,000 mortgage a few years in, and a posted-rate lender can charge around $22,900, while a fair-penalty lender charges about $5,600. Same mortgage. A $17,000+ difference nobody points out when you're comparing rates. This tool does.
Learn it. Calculate it. Then act on it.
Everything here is free and needs no sign-up. Understand what actually matters, run your own numbers, then see the lenders that fit.
Plain-language guides
The prepayment penalty, the stress test, insured vs uninsured, lender types, portability: the factors rate sites bury, explained without jargon.
Learn the mortgage game →Free calculators
Real Canadian math: payment (semi-annual compounding), affordability & stress test, break-penalty (IRD), land transfer tax, and CMHC insurance, each with a plain-language explanation.
Open the calculators →Mortgage glossary
Every term the industry throws at you, A to Z, defined in one or two plain sentences: IRD, trigger rate, collateral charge, GDS/TDS, and dozens more.
Look up a term →How it works
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Step 1
Tell us your situation
Property, down payment, income, credit range, and what you want. About 3 minutes. No SIN, no credit pull.
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Step 2
It runs the real numbers
Canadian semi-annual math: your affordability, stress-test result, CMHC, closing costs, and the break-penalty gap.
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Step 3
See every lender that fits
You're matched against 160+ lenders (banks, monolines, credit unions, and alternatives), and Jordan can help you act on the matches.
Why Jordan shows you everything
Most mortgage sites hide the numbers to force a phone call. Jordan Avery would rather you see the whole picture first, and talk when you're ready:
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Lenders you can't reach alone
Most of the best-value lenders are broker-access only; you can't walk into a branch. This tool shows you they exist, and Jordan can reach them for you.
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The penalty nobody mentions
The prepayment penalty can cost thousands more at a posted-rate lender. Each lender's penalty method is flagged up front.
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Every cost, in plain numbers
Down payment, CMHC premium, land transfer tax, closing costs: the full picture before you talk to anyone.
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Explained in plain language
Every match comes with a sentence on why it fits your situation: no jargon, no mystery scores.
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Private by design
No SIN, no banking, no credit check to see your matches. Only ranges are asked for, and your information is never sold.
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Built for Canadian rules
Semi-annual compounding, the OSFI stress test, CMHC thresholds, provincial land transfer tax: done correctly.
Free. All of it.
Your affordability numbers, the penalty comparison, every lender match, and the full emailed report: free. Jordan Avery licenses this tool so you get the complete picture, and if you request your report, Jordan receives it too and can walk you through your options.
Explore lenders by type
See how the Big Six, monolines, credit unions, and private lenders compare, including the penalty method that can cost you thousands.
Common questions
What is this tool?
A lender-education tool that Jordan Avery (Maple Key Mortgages Inc.) offers free to clients and the community. It runs your mortgage numbers correctly and shows which Canadian lenders fit your situation, with the costs (like the break penalty) that rate sites don't show.
Is it really free?
Yes. Your affordability numbers, the penalty comparison, every lender match, and the full emailed report are free. Jordan Avery licenses this tool so the people they serve get the complete picture at no charge.
Why does the prepayment penalty matter so much?
Most people break their mortgage before the term ends. The penalty depends on how the lender calculates it: 'posted-rate' lenders (like the big banks) can charge many thousands more than 'fair-penalty' lenders for the exact same mortgage. The gap is shown for your numbers, and each lender is flagged by its method.
Is my information safe?
Yes. No Social Insurance Number, no banking details, and no credit pull; only ranges. If you request your emailed report, your report and contact details go to Jordan Avery, who may follow up to help; your information is never sold.
How accurate are the numbers?
The math uses Canadian semi-annual compounding, the OSFI stress test, current CMHC thresholds, and provincial land transfer tax: the same formulas a lender's calculator should use. They're still estimates: your actual rate, payment, penalty, and approval are set by the lender.
Does the tool recommend a specific lender?
No. It ranks lenders by objective fit and explains each match in plain language. Actual mortgage advice (and access to the broker-only lenders on your list) comes from Jordan Avery, Maple Key Mortgages Inc..
This tool is offered by Jordan Avery, Mortgage Agent (Level 2), Licence M23999999 · Maple Key Mortgages Inc., FSRA Brokerage Licence 13999. The figures it produces are educational estimates, not mortgage advice or an offer of financing; your actual rate, payment, penalty, and approval are determined by the lender. Mortgage advice comes from Maple Key Mortgages Inc..
Know your options before you sign
Free, private, about 3 minutes, and Jordan is there when you want a human in your corner.