This version improves the Refinance Analyzer's time-saving algorithm when your current mortgage is on an accelerated payment frequency. Thank you for using CMA. If you are an industry professional and have questions or would like to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app, located under the "Settings" tab. • The Bendigi Team •

Compare PRO Renewal has been completely redesigned. Explore renewal scenarios with more ease, clarity, and side-by-side comparisons. From breaking early to rate changes, every adjustment updates instantly, so you can make smarter decisions with confidence. Thank you for using CMA. If you are an industry professional and have questions or would like to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app, located under the "Settings" tab. • The Bendigi Team •

• Updates to the Lender Rental Sheet for some lenders • Improved Scenario loading Thank you for using CMA. If you are an industry professional and have questions or would like to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app, located under the "Settings" tab. • The Bendigi Team •

• We gently escorted a cute little bug out of the app in this update. Thank you for using CMA. If you have questions or would like to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app, located under the "Settings" tab. • The Bendigi Team •

• Improved Login flow • New Home Screen Compact View • New Screenshot feature in Compare PRO • Desjardins and CIBC Rental Sheets in PREQ • Estimate 3-month Penalty in Refi Express • 50+ fixes, enhancements and improvements Thank you for using CMA. If you have questions or would like to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app, located under the "Settings" tab. • The Bendigi Team •

We’ve rolled out some exciting updates to boost performance, simplify workflows, and make the app even more powerful. Here's what’s new: Scenario Management • You can now load an existing scenario or create a new one before entering any tool • Scenario Grid has been moved into the Scenario List for better organization Pre-Qualification PRO • Fixed a major bug affecting insured scenarios • Added a debt reminder during onboarding if none are entered • Added payment field for personal loan debts for better accuracy • New "Create Report" button added directly to the Scenario List • "Send to Webhook" option available for faster sharing Refinance Analyzer • Introduced an express setup flow for power users • Added a new "Estimate 3-Month Penalty" button in the wizard • Fixed accelerated bi-weekly payment calculation bug • Optimized lender list performance with caching • Rental lender sheets now execute in parallel - up to 50% faster Compare PRO • Brand new design for selecting rate type and term - easier and more intuitive • No more term restrictions in the break-even rate screen • Fixed bug with the "Apply All" button in the wizard Stress Test Calculator • Added a GDS/TDS ratio slider to quickly test different thresholds and find your target mortgage Required Income Tool • Fixed an issue preventing MQR from updating after Rate selection MacOS Enhancements • Improved appearance and experience on macOS • Fixed a crash when opening Settings in Light Mode • Corrected all colours on the dashboard and tool cells Core App Improvements • You can now "Continue as Guest" when accessing tools that require an account • Intro pages added to all tools with auto-scroll for guided onboarding • Added main tab bar across all tools for easier navigation • Updated all animation libraries - enjoy smoother transitions throughout the app • Cleaned up app install links by automatically removing invalid characters • Increased padding on dashboard overlays for better readability Thanks for choosing the Canadian Mortgage App. This update is all about speed, clarity, and giving you more control so you can focus on what matters most.

Critical bug fix: Refinance Analyzer now works as expected.

This update fixes an issue in the Refinance Analyzer, specifically when comparing bi-weekly in the current and new mortgage scenarios. Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please get in touch with us via the "Support Chat" in the app under the "Settings" tab.

Introducing a new family of charts in Compare PRO Analysis. The "basics" charts make comparing payments, interests, principal, remaining balances and total interests more convenient.

Introducing Compare PRO Compare PRO is now available to PRO subscribers. With this new tool, you can lay out up to five mortgage options. You can compare fixed, VRM, and ARM rates, explore multiple term scenarios, or lock in a mid‑term rate with a single tap. See Prime Rate projections come to life, get instant break‑even and penalty calculations, and build tailored scenarios from annual statements so every choice is crystal clear. Export branded reports, save unlimited scenarios for fast recall, and nail every renewal or switch conversation, helping you and your clients make confident decisions every time. Developed over the past year with the collaboration of some of the top mortgage brokers in the country. We can’t wait for you to try it. Keep an eye out for your invite to our release webinar! Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

Introducing Compare PRO  Compare PRO is now available to PRO subscribers. With this new tool, you can lay out up to five mortgage options side-by-side. You can compare fixed, VRM, and ARM rates, explore multiple term scenarios, or lock in a mid‑term rate with a single tap.  See Prime Rate projections come to life, get instant break‑even and penalty calculations, and build tailored scenarios from annual statements so every choice is crystal clear. Export branded reports, save unlimited scenarios for fast recall, and nail every renewal or switch conversation, helping you and your clients make confident decisions every time. Developed over the past year with the collaboration of some of the top mortgage brokers in the country. We can’t wait for you to try it. Keep an eye out for your invite to our release webinar! Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

We gently escorted a cute little bug out of the app from our last update. Thanks for helping us spot it! All clear now!

Your favourite mortgage app just got even smarter! This update fine-tunes the Refinance Analyzer, giving you more precise results—especially with accelerated bi-weekly payments on your current mortgage and debts you're looking to consolidate. Crunch those numbers confidently!

What's New • Improved the Down Payment Educator to detect and offer an option for First-time homebuyers calculating 30-year insured mortgages. • Fixed an issue with the Refinance Analyzer's Available Equity in a scenario where a HELOC is secured by the current property. Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

• Improvements to the Refinance Analyzer algorithm. Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

• New "Add Mortgage Insurance" Button The Purchase Calculator now intelligently detects if you can get an insured mortgage and presents an "Add Mortgage Insurance" button next to the "Mortgage Insurance" row for you to decide. For example, you are working on a scenario and have it set to 30-year amortization, and you are also a first-time home buyer. Here, the purchase calculator will give you the option to convert it to an insured 30-year mortgage or stay with an uninsured 30-year mortgage. • Compounding Filters in Rates In addition to location, purchase type, rate term, rate type, and down payment, you can filter and search rates by choosing a desired compounding. For example, you can search for variable rates that are semi-annually compounded or fixed rates that are compounded monthly. Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

Updates for PRO Users • The Refinance Analyzer will now allow 0 months for the remaining term, which means you will be able to analyze renewal switches or transfers with debt consolidation. • Updated PREQ Base Push Notifications to display first-time buyers and newly built home status. Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

New Features • Finalized December 15 Rules in all tools. It's no longer optional to use pre-dec 15 rules • Pre-Qualification will consider 30-year insured mortgages for First time home buyers and newly built properties Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

New Features • Introducing Reverse Mortgage mode in the Mortgage Calculator. If you are taking a HECM (Home Equity Conversion Mortgage), aka Reverse Mortgage, and are interested in knowing what your mortgage balance would be at the end of the term. Check out the Mortgage Calculator's new Reverse Mortgage mode. 1. Launch the Mortgage Calculator 2. Tap on the Results Section (top area) 3. Change it to Reverse Mortgage 4. Add the initial balance and rate and view your end-of-term balance Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

New Features • Introducing Reverse Mortgage mode in the Mortgage Calculator.  If you are taking a reverse mortgage and are interested in knowing what your mortgage balance would be at the end of the term, check out the Mortgage Calculator's new Reverse Mortgage mode. 1. Launch the Mortgage Calculator 2. Tap on the Results Section 3. Change to Reverse Mortgage • The Pre-Qualification tool now asks whether you want to buy a newly built property. Why does it matter? In some provinces, newly built homes may be eligible for an additional rebate on the property/land transfer tax. Choose this option if your property is a newly built home. Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

New Features • You can now view the Compounding Periods for each Rate when looking at the Rate Details. Tap the Rate card in the Rates screen to view more details for each Rate. Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

New Features • Introducing the ability to set the First Payment Date in the Mortgage Calculator, allowing you to see the Amortization schedule more accurately with the correct payment dates over the term or the life of the mortgage. • You can now view the Compounding Periods for each Rate when looking at the Rate Details. Tap the Rate card in the Rates screen to view more details for each Rate. Bug Fixes • Fixed a bug that prevents "Securitized Debts" from being added to new mortgage balances when consolidated in the Refinance Analyzer. • Fixed a bug that incorrectly calculates the interest paid for semi-monthly payment frequency in the Mortgage Calculator. Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

• Updates to the Alberta Transfer Tax. Fees for both mortgages and transfers will now be $50 + $5 per $5,000 of value. If you live in Alberta, go to the Land Transfer Tax Calculator and calculate your new title registration fees. • Payment dates in the Amortization Schedule All Amortization Schedules on the app now show dates for each payment. This is the most accurate amortization schedule in any Canadian mortgage app. You can predict the exact date for each payment, no matter how long your mortgage is or what payment frequency you choose. To see it, open the Mortgage Calculator and tap "View Schedule." • Consolidate Debts with 0% interest. The Refinance Analyzer can now help you consolidate debts that have $0 payments (0% interest). This means you can also show such debts in the report. • Lender Incentive in the Refinance Analyzer The Refinance Analyzer also has a new Lender Incentives input field that can be used to add cash incentives that some lenders offer when switching to them. This feature will offset the penalty and fees when calculating the savings with a refinance. • Updates to PREQ2 Push Message Other fixes and enhancements include unredacted PREQ2 leads for mortgage brokers. Mortgage Brokers who have upgraded to PREQ2 can now enjoy an unredacted version of the information provided in the push message. Thank you for using CMA. If you have questions or want to learn how to leverage CMA PRO for your business, please contact us via the support chat in the app under the "Settings" tab. • The Bendigi Team •

This version improves PREQ2 with a new Dec 15, 2024 switch. Enable the new Dec 15 reforms in the Qualification tab of the Pre-Qualification tool to see the increase in purchase power after Dec 15, 2024

This version includes a technical update to the Dec 15, 2024 mortgage reforms. As of Dec 15, 2024 1. The price cap for insured mortgages will be increased from $1 million to $1.5 million 2. Eligibility of 30-year mortgage amortizations to all first-time homebuyers and buyers of new builds If you want to see the impact of the new rules, you can enable it in the Purchase Calculator using the new Menu Bar.