Smart mortgage strategies, built with an engineer's precision
Complex numbers and fine print, carefully reviewed.
Start with the free calculators, then book a 1:1 call if you need help.
Justin Bae, M.Sc., P.Eng.
Mortgage Broker (BCFSA MB610304)
Huntington Cross Mortgage
Free calculatorsPick the tool
Pick the tool
for your situation
Built for BC rules. If the results raise questions, bring them to a 1:1 call.
Before you buy
01
Purchase budget
Down payment, property transfer tax and CMHC premium: the total cash you need to close.
Calculate → 02Affordability & payments
Maximum mortgage under GDS/TDS and payments by frequency.
Calculate → 03Government benefits
PTT exemptions, new-home GST rebate, FHSA and RRSP Home Buyers' Plan.
Check → 04Insured vs conventional
Is putting less than 20% down for an insured rate worth it?
Compare →Choosing a rate new purchase or renewal
If you already have a mortgage
Weekly newsletterRates and policy,
All issues →
Rates and policy,
every week
- Oct 22, 2026Major Institutions Shift Ahead of the October 28 BoC Meeting: Rising Inflation Expectations and Diverging Forecasts
- Oct 21, 2026Q2 GDP Posts Fastest Growth in 3 Years — So Why Aren't Mortgage Rates Falling?
- Oct 19, 2026CREA Cuts This Year's Home Sales Forecast for the Third Time: "A Roller-Coaster Year"