Calculators your clients can actually keep.

What's included

BrokerDam includes a full set of mortgage calculators designed for the Canadian market. The mortgage payment calculator handles semi-annual compounding, the standard convention for Canadian fixed and variable mortgages, and lets you compare amortizations, payment frequencies, and rate scenarios side by side.

The affordability calculator runs GDS and TDS ratios against lender-tier rules and the B-20 stress test, so you can show clients what they can qualify for before you send the file to a lender. The land transfer tax calculator covers British Columbia, Ontario (including the Toronto municipal portion), and Alberta title fees, with first-time-buyer rebates, newly-built home exemptions, and non-resident speculation tax rules where they apply.

The prepayment savings calculator shows the impact of lump-sum payments, accelerated weekly or bi-weekly schedules, and increased regular payments — giving clients a concrete picture of how small changes shorten their amortization.

Accuracy that holds up

Generic calculators often default to U.S. conventions: monthly compounding, no stress test, and tax rules that do not match any Canadian province. BrokerDam uses Canadian conventions from the start: semi-annual compounding for mortgage payments, provincial land transfer tax rules, and CMHC premium bands with the 30-year insured surcharge applied where relevant.

The stress-test logic follows the OSFI B-20 qualifying rate — the greater of the contract rate plus 2% or the benchmark 5.25% — so affordability results align with what lenders actually see. That means fewer surprises when a pre-approval turns into a live application.

Branded PDF export

Every calculator can generate a client-ready one-pager with your logo, colours, and contact details already applied. The PDF pulls the exact scenario you built — payment, amortization, total interest, land transfer tax breakdown, or prepayment comparison — and formats it into a clean document a client can keep, share, or take to their bank.

Because the export lives inside BrokerDam, you can attach it to the client's record, email it, or text it straight from the deal. There is no need to copy numbers into a separate design tool or remember to add your branding after the fact.

Where they live

The calculators are not a separate website or widget. They live inside the CRM, right alongside the client's file. When you are on a call with a client, you can run a scenario, save it to their record, and export a PDF in the same workflow — no tab switching, no lost notes, no version confusion.

Saved calculations become part of the client timeline, so you can refer back to the numbers you discussed, compare them with later scenarios, and show a complete picture of the advice you gave.

Frequently asked questions

Which provinces are supported for land transfer tax?

BrokerDam currently supports land transfer tax calculations for British Columbia, Ontario (including the Toronto municipal land transfer tax), and Alberta title registration fees. We are adding additional provinces based on demand.

Do the calculators use the stress test?

Yes. Affordability and mortgage qualification scenarios show the qualifying payment at the greater of the contract rate plus 2% or the OSFI benchmark rate (currently 5.25%), consistent with the B-20 guideline used by Canadian lenders.

Can I send results to clients?

Yes. Every calculation can be exported as a branded, client-ready PDF that includes your logo and contact details. The PDF is generated from the scenario you built and can be emailed or texted directly from the client's record.