Sudhanshu – Your Mortgage Advisor

Broker Console • Canada • Multi-Lender

Lender Profile

Lender: Generic / Default – 80% max LTV • HELOC 65% • 80% rental offset • GDS/TDS 39/44 (approx).

Client Snapshot & Qualification

High-level summary. Every tab feeds into this view.

Generic • 80% LTV • 39/44

Client Profile

Client Name

Co-borrower

Purpose

Occupancy

Property Type

City

Broker Notes

Qualification Summary

Total Usable Income (Monthly) $0

Mortgage Amount (Incl. Premium) $0

Housing Cost (PITH+Condo+Other) $0

Total Debt Payments $0

GDS 0%

TDS 0%

Stress GDS 0%

Stress Rate 0%

INCOMPLETE – Enter income, property and debts.

Visual Snapshot

Payment Breakdown

Income vs Housing vs Debts

Income & Rental Engine

Employment, self-employment, support, rental – tied to lender rules.

Rental: 80% Offset (Default)

Base & Variable Employment

Base Salary – Annual ($)

Hourly Rate ($)

Hours per Week

Weeks per Year

Overtime – Last Year ($)

Overtime – Prev Year ($)

Bonus – Last Year ($)

Bonus – Prev Year ($)

Commission – Last Year ($)

Commission – Prev Year ($)

Self-Employment & Other

Self-Employed – NOA Line 15000 (Last Year)

Self-Employed – NOA Line 15000 (Prev Year)

Child / Spousal Support – Annual ($)

Other Income 1 – Annual ($)

Other Income 2 – Annual ($)

Other Income 3 – Annual ($)

Rental Income (Key Property)

Treatment changes with lender (50% offset, 80% offset, or NOI add-back).

Gross Rent – Monthly ($)

Vacancy Allowance (%)

Property Tax – Annual ($)

Heat – Annual ($)

Condo Fees – Annual ($)

Other Expenses – Annual ($)

Employment & Other Income (Monthly) $0

Effective Rent (After Vacancy) $0

Rental Expenses (Monthly) $0

Rental Contribution (Per Lender) $0

Total Usable Income (Monthly) $0

Debts & Policy Payments

Cards, LOCs, HELOC, car, student – using % rules per lender.

Cards/LOC: 3% • Student: 1%

Revolving Credit

Credit Card 1 Balance ($)

Credit Card 1 Payment (if known, $)

Credit Card 2 Balance ($)

Credit Card 2 Payment (if known, $)

Unsecured LOC Balance ($)

Unsecured LOC Payment (if known, $)

HELOC / Secured LOC Balance ($)

HELOC Rate for Debt Calc (%)

Installment & Other

Car 1 Payment ($)

Car 2 Payment ($)

Student Loan Balance ($)

Student Loan Payment (if known, $)

Other Debt 1 Payment ($)

Other Debt 2 Payment ($)

Policy-Style Pmts (Cards/LOC/Student/HELOC) $0

Total Debt Pmts (Used in TDS) $0

Purchase / Pre-Approval

CMHC-style premiums, cash to close, payment & housing cost.

LTV • Insurance • Cash to Close

Purchase Price / Value ($)

Down Payment ($)

Closing Cost Estimate (%)

Contract Rate (%)

Amortization (Years)

Property Tax – Annual ($)

Heat – Annual ($)

Condo Fees – Monthly ($)

Other Housing – Monthly ($)

Down Payment (%) 0%

Base Mortgage (Before Premium) $0

LTV 0%

Premium Rate 0%

Premium Amount $0

Mortgage incl. Premium $0

Closing Costs (Est) $0

Cash Needed (DP + Closing) $0

Mortgage Payment (Contract) $0

Total Housing Cost / Month $0

HELOC Capacity

65% HELOC / 80% total style, varies with lender profile.

Generic: HELOC 65% • Total 80%

Current Property Value ($)

Current Mortgage Balance ($)

Proposed HELOC Rate (%)

Max HELOC Portion (Rule) $0

Max Total Limit (Mortgage + HELOC) $0

Theoretical New HELOC Limit $0

Interest-Only Pmt @ Limit $0

Status vs LTV Rule –

Refinance Calculator

Max refi, penalty estimate, payment change & post-refi ratios.

Equity • Penalty • DS Ratios

Current Appraised Value ($)

Current Mortgage Balance ($)

Current Rate (%)

Remaining Term (Years, approx.)

Penalty Type

New Rate (%)

New Amortization (Years)

Requested New Mortgage ($)

Extra Costs (Lawyer, Appraisal, etc.)

Max Refi @ Lender LTV $0

Available Equity (Before Penalty) $0

Penalty Estimate $0

Current Payment (Approx) $0

New Payment (Requested Amt) $0

Payment Difference $0

Post-Refi GDS 0%

Post-Refi TDS 0%

Suitability Comment –

Scenarios & Notes

Prepayment impact + auto-generated explanation for the client file.

What-If • Compliance Note

Prepayment Scenario

Extra Monthly Payment ($)

Base Mortgage Payment (Contract) $0

Total with Extra $0

Approx Remaining Years with Extra –

Auto-Generated Broker Note