Mortgage Comparison
Master Your Mortgage; The Peasant Finance Blueprint for Home Equity
Features & Options
Compare top lenders, visualize the power of extra payments, and track your property’s value in real-time—all in one laboratory
Lender Comparison
Side-by-side analysis of up to four different lender offers to find the lowest cost of borrowing.
CMHC Integration
Automatic calculation of default insurance premiums based on your down payment percentage.
Canadian Compounding:
Built-in logic for Canadian semi-annual compounding to ensure penny-perfect accuracy.
Extra Payment Impact
See exactly how much faster your “sentence” ends by adding extra monthly principal payments.
Interest Transparency
We strip away the marketing to show you the true “Initial Monthly Interest” cost in red.
Balance Projections
Know exactly what your mortgage balance will be at renewal, helping you plan your next move.
Home Value Tracking
Project your future fiefdom value based on annual appreciation or depreciation.
Total Home Equity
A real-time view of your projected net wealth (Home Value minus Outstanding Balance) at the end of your term.
Peasant Finance Strategy
We show you how to treat your primary residence as a growing asset, not just a liability.
Contact Us For A Free Review Today
The Mortgage Strategy: Turning a Liability into a Wealth Engine
Most homeowners view their mortgage as a monthly “sentence”—a fixed cost of living that lasts for 25 years. But as a Peasant Finance strategist, you know that a mortgage is actually your most powerful tool for wealth creation. By mastering the math of renewals, understanding the true cost of interest, and utilizing strategic principal paydowns, you can buy back your freedom years ahead of schedule.
The Mastery of Compounding
In Canada, mortgage interest is calculated differently than in the US, using semi-annual compounding. Our Comparison Lab handles this complex math for you, ensuring that the “Lender A” vs. “Lender B” decision is based on penny-perfect accuracy. Every 0.1% saved on your rate is not just a few dollars a month; over the life of your fiefdom, it represents thousands of dollars in reclaimed equity.
The Peasant’s Secret: Strategic Paydowns
While the bank wants you to focus on the monthly payment, we focus on the Principal. Use the “Extra Monthly Pay” field below to see the “Peasant Advantage” in action. By living below your means today and adding even a small amount to your monthly principal, you aren’t just paying a bill—you are destroying the interest that would have compounded against you tomorrow.
What to Look For in Your Results
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The Interest “Red Zone”: We highlight your Initial Monthly Interest in red to show you exactly how much your lender is taking from your hard work every single month.
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The Equity Bridge: The “Total Home Equity” row is your scoreboard. It shows your projected net wealth by combining your principal paydown with the Home Annual Appre (%)—allowing you to see your fiefdom’s true value at the end of your term.
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CMHC & HST Clarity: We factor in the often-hidden costs of CMHC insurance and the mandatory Ontario HST on those premiums, so your “Total Mortgage Loan” is a true representation of your debt.
How to Use the Mortgage & Equity Lab
1. Define Your Fiefdom
Enter your Purchase Price and Down Payment. The lab will automatically check if you meet the 2026 Federal Down Payment Regulations (5%–10% blended rules up to the $1.5M cap).
2. Market Outlook
Adjust your Home Annual Appre (%) to test different scenarios. What does your equity look like in a conservative 2% market versus a high-growth 5% market?
3. Lender Battle
Input quotes from up to four different lenders. Compare major banks against “B-Lenders” to find the most efficient path for your portfolio.
4. The Acceleration Strategy
Add an Extra Monthly Pay amount. Watch how your “Balance After X Years” drops and your “Total Home Equity” surges.
Mortgage & Equity Projection Lab
Synchronize Your Debt Strategy with Asset Growth
| Metric | Lender A | Lender B | Lender C | Lender D |
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“The borrower is slave to the lender.”