Guides
Short educational articles. Rates and thresholds that change are described by reference to official sources — not invented “current” quotes.
Canada mortgage stress test
How the OSFI minimum qualifying rate structure works in plain language.
GDS & TDS ratios
What FCAC/CMHC materials say about housing and total debt service.
US debt-to-income basics
CFPB educational framing for housing and total DTI.
No credit pull on this site
Why we removed “soft inquiry” marketing and what partners may do later.
Credit utilization
How balance ÷ limit works and why payoff math matters.