Mortgage Offset Strategy
An all-in-one mortgage on the client’s real income and spending, an eleven-page report and a link to their own plan.
Pull up a chair.
Canadian mortgage tools with your name on them, for the people who sit across the table from your clients.
Free for seven days, no card needed. I set up every member myself.
Which seat is yours?
For realtors: the mortgage answers, on your website and in your client’s pocket.
Buyers work out what they can afford on your site, with your photo beside every figure. Their questions come to you.
- The nine calculatorsPurchase, mortgage amount, affordability, rent or buy, land transfer tax, closing costs, compare, rental cash flow and break or stay.
- Your own client appAn app your clients add to their phone, in your colours. Add on, $99 a month.
- Your own client pageOne link for your clients, under your name.
- Open house sign-inOn your tablet, with each visitor’s consent recorded.
- Social kit and articlesSomething to post and something to send, every month.
- A licensed broker to askWhen a client’s question goes past the calculator.
Add on · $99 a month
Your own app, on your clients’ home screens.
Your name under the icon, your colours, your calculators, and buttons to book, text or email you. Send the link or let them scan the code; on a phone it installs in two taps.
Screens from a sample member’s app.
Try the client app
Live sampleThis is the real app, running for a sample member called Your Name. Tap through it. Nothing you type is sent to anybody.
Open houses that end with a list, not a clipboard.
Visitors sign in on your tablet. You get the names, with each person’s consent recorded in the words they agreed to.
For advisors: the mortgage side of the plan, made clear.
Show a client what their mortgage could do alongside their investments, in the meeting, with your dealer’s compliance line on every screen.
- Mortgage Investment PlannerA paycheque-offset mortgage and a borrow-to-invest strategy, side by side, against today’s path. Illustration only.
- The nine calculatorsOn your website, under your name.
- Social kit and articlesMortgage topics your clients ask about, ready to send.
- A licensed broker to ask, any timeFor anything that needs a mortgage licence.
Mortgage Investment Planner
Province and income in, take-home worked out, then three strategies side by side. Client files stay encrypted on your own computer. A PDF follows the option on screen.
Sample advisor details shown.
For brokers: seven desk tools, under your name.
Every app opens from your portal and prints your name, brokerage and licence line on everything a client takes home.
- Seven desk toolsFour for any province, three for Ontario. Each one is pictured below.
- Your name on everythingEvery report, recap and link a client keeps prints your name, brokerage and licence line.
- All nine calculatorsThe same ones as every seat, for your own website.
Any province
Client Journey
Discovery, strategy and closing meetings on screen, then a recap the client keeps: a PDF, an email and their own link.
Refinance Analysis
A refinance, a second mortgage, a renewal or a blend, side by side, with a review page for the client’s phone.
Asset Tracker
Send a link. The client lists every source of their down payment on their phone; the spreadsheet comes to you.
Ontario brokers These three use Ontario land transfer tax.
Investment Property Portfolio Analysis
Cash flow, returns and value over the years held, a ten-page client report and an Excel workbook for the lender.
Bridge Worksheet
The bridge and what it costs, an underwriter summary and a plain-language page for the client.
Equity Calculator
Sale, payouts and the next purchase with land transfer tax, a separation view, a PDF and an Excel export.
Try all seven
Live sampleThe real app, for a sample broker. Change the income and spending and watch the payoff move. Everything it prints says SAMPLE, nothing is kept after you leave, and nothing is sent.
Every seat · all nine calculators
Try the calculators.
These are the real ones, exactly as they sit on a member’s website. Pick a tab and change any figure.
The nine calculators
Live sampleShown for a sample member called Your Name. On your site it is your name, photo and colours, and Talk to Your opens your booking link.
On a phone, and on paper.
Most clients open them on a phone. Save these figures prints a one-page sheet with your details on it, for the client to keep.
Sample member details shown.
What your clients take home
The reports carry your name, not ours.
Every page a client keeps prints your name, brokerage and licence line. Sample member details shown.
On your site this afternoon
One line of HTML.
No plugin, no account for your web person, no rebuild. It fits your page — your colours, your width.
Pick your tools
All nine are on by default. Turn off any you would rather not show.
Paste one line
Into a page, a sidebar, a landing page: anywhere your site lets you add HTML.
Enquiries come to you
The Talk to button on every calculator comes to you — your booking link, email or phone.
<div data-closing-table="payment affordability landtransfer" data-member="your-name"></div>
<script src="https://closingtable.ca/embed.js" async></script>Whichever seat you take.
Canadian arithmetic
Fixed rates compound twice a year, the stress test is built in, and land transfer tax covers all thirteen provinces and territories.
Kept current for you
When a lending rule changes, it is corrected once and reaches your site the same day. You never update anything.
Your files stay yours
The apps that save client files (Bridge Worksheet, Refinance Analysis, Portfolio Analysis, Mortgage Offset Strategy) let you download them as a backup and a spreadsheet, even after you leave. The Equity Calculator and Asset Tracker give you a spreadsheet as you go.
What it costs.
Free for seven days, no card needed. I set up every member myself.
| Realtor$99 a month | Advisor$99 a month | Mortgage broker$149 a month | |
|---|---|---|---|
| The nine calculators, on your site | Yes | Yes | Yes |
| Feature sheets you hand a client | Yes | Yes | Yes |
| The seven broker tools | No | No | All seven |
| Mortgage Investment Planner | No | Yes | No |
| Your own client page | Yes | No | No |
| An app your clients install | Add on, $99 | No | No |
| Open house sign-in | Yes | No | No |
| Monthly social kit | Yes | Yes | Yes |
| Articles to share with your clients | Yes | Yes | Yes |
| Ask a licensed broker | Yes | Any time | You are one |
Prices in Canadian dollars, before tax. Paying yearly: $990, or $1,490 for brokers (two months free). Cancelling takes thirty days’ notice. Investment Property Portfolio Analysis, Bridge Worksheet and Equity Calculator use Ontario land transfer tax, so they are for brokers licensed in Ontario. Founding members: the first twenty-five keep their price for as long as they stay.
Try it for a week.
Tell me a bit about yourself and what you do. I personally welcome every new member, so I’ll look at your request myself and send your sign-in details as soon as you’re set up.
