Buy with confidence
See your real buying power after the stress test, closing costs, and land transfer tax, including Toronto’s municipal tax. Shop with a number you can defend.
Estimate my budgetKnow your number before you make an offer.
Mortgage Structure shows GTA buyers and homeowners what they can afford, when refinancing pays off, and how much equity they can unlock. Get clear answers from a FSRA licensed Mortgage Agent.
Free to start. We don’t pull your credit until you start an application. No obligation.
Stress-tested at 6.79%
Example estimate
$360K equity on a $1.1M home
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Example: $150K income, $120K down, $400/mo in debts, 4.79% rate
0different lenders you can access
0typical pre-approval time
We structure your mortgage to your financial goal.
Whether you’re buying your first condo, tapping the equity in your home, or financing an income-producing property.
Refinance when it pays
We compare your current rate, penalty, and term against today’s lenders, then show the break-even point so you only switch when the math works.
Run the numbersUnlock your equity
Fund a renovation, consolidate high-interest debt, or invest. We size the right option: refinance, second mortgage, or HELOC.
See my equityCommercial Mortgage Support
Strategic mortgage support for commercial properties, including mixed-use, retail, office, and other income-producing assets.
- Income-producing properties
- Mixed-use buildings
Check how much you can qualify for.
Type in your own numbers and watch the results update. Estimates use Canadian qualification rules, and a Mortgage Agent can confirm them for your file.
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You could shop up to$0
Maximum mortgage$0
Stress-test rate0%
Estimated monthly payment$0
Equity you could access (up to 80% of value)$0
Current loan-to-value0%
Payment if you borrow it all at the new rate$0
Estimates only, based on a 25-year amortization, 39% GDS / 44% TDS limits, and about $450 per month for property tax and heat. Not a mortgage approval.
Confirm with a Mortgage AgentWhat working with us looks like.
Access to 40 lenders
Banks, credit unions, and lenders that only do mortgages, compared side by side, so you aren’t limited to one branch’s rate sheet.
Penalty-aware advice
We help you estimate your prepayment penalty first and flag any switch that costs more than it saves.
Lock in your rate
Once you’re pre-approved, we can hold your rate so you can make offers with confidence.
One agent, start to close
Questions on a Sunday night before an offer? You’ll have a direct line to the person who knows your file.
Meet Jaka Pang.
FSRA licensed Mortgage Agent Level 2
When you work with Mortgage Structure, you talk directly with Jaka. He walks you through your options, compares lenders, and structures your mortgage around your financial goals.
Questions we hear every week.
When should I reach out to a mortgage agent?
Anytime. Even if you don’t plan to buy for another two years, it’s never too early to get informed and start planning.
What does it cost to work with a mortgage agent?
For most purchases and renewals, nothing. Lenders compensate us when your mortgage funds. If a fee ever applies, we tell you the price before we start.
What is the stress test?
It checks that you could still afford your payments if rates rose. Lenders qualify you at the higher of 5.25% or your rate plus 2%, and our calculator builds this in.
How much equity can I take out of my home?
Generally up to 80% of your home’s value, minus what you still owe. The amount you qualify for also depends on your income, credit, and the lender’s rules.
Is refinancing worth the penalty?
Sometimes. We compare the penalty with your interest savings and any new borrowing you need, then show the break-even date. If staying put wins, we’ll say so.
Will checking my numbers affect my credit score?
No. Using the calculator doesn’t touch your credit, and we don’t pull your credit until we start an application together.
We’re here to help.
Questions about what you can afford? Send us a quick note and we’ll get back to you soon.