Purchase + Improvements (AI)
Clean layout, fixed currency prefix, clear chevrons, and logical grouping. Stress-Test, Insurance & Tips on the left.
Loan Details
AI Smart Presets
Presets fill realistic numbers (no API). Required fields marked *.
$
$
Minimum down follows purchase-price tiers; ≥$1M requires 20% down.
Insured mortgages usually capped at 25 years.
$
$
Stress-Test (OSFI)
Qualifying Rate—
P&I @ Qualifying—
Greater of contract + 2.00% or 5.25% floor (guide only).