My Mortgage Toolbox
Home resources by DLC
Free · Designed for iPad. Not verified for macOS.
We make the dream of homeownership a reality.
As Canada’s No.1 mortgage originator, Dominion Lending Centres has helped thousands of people get the financing for their perfect home.
The DLC Home Mortgage app will give you the tools to navigate today’s housing market.
We are proud to offer you the following features:
• Canadian Payment Calculator
• All Possible Payment Frequencies
• 2018 Stress Test Rules
• Minimum Down Payment Calculator
• Total Monthly Ownership Calculator
• Closing Cost Calculator
• Affordability Calculator
• Maximum Loan Calculator
• Extra Payments Calculator
• Advanced GDS / TDS Calculator
• CMHC Premium Calculator
• PST on CMHC
• Amortization Schedule and Totals
• Load and Save Multiple Scenarios
• Scenario Comparison (side by side)
• All Provincial Land Transfer Fees
• All Municipal LTT
• ON / TO First-time buyer rebates
• ON Non-Resident Speculation Tax
• BCs First time and Newly built rebates
• BCs Foreign Buyer Tax
• PEIs First-time buyer rebates
• Real-time Mortgage Rates
• Ability to apply with an expert on the app
• Find an Expert in your area
• Import / Export Calculations
• Generate Summary PDFs
• Beautiful graphs and illustrations
• English, French, Spanish & Chinese and Hindi Translated
• Direct Technical Support Chat
• Frequently Asked Questions (FAQ)
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
more Well designed app and comes with clear instruction on how to use the app. Very helpful to us trying to buy our first home in Vancouver.
Well designed app and comes with clear instruction on how to use the app. Very helpful to us trying to buy our first home in Vancouver.
hello, just downloadec the app but can’t health the amount of helpful details this app brings to the table for first time home buyers. Thank you for making this 🥲
hello, just downloadec the app but can’t health the amount of helpful details this app brings to the table for first time home buyers. Thank you for making this 🥲
Cutting edge technology at its finest. This app has made my job as a broker so much easier. It also gives my client a sense of having some control on what rates being available. I truly enjoy sharing it with my clients. It makes me look more credible through the eyes of my clients. Thank you MMT
Cutting edge technology at its finest. This app has made my job as a broker so much easier. It also gives my client a sense of having some control on what rates being available. I truly enjoy sharing it with my clients. It makes me look more credible through the eyes of my clients. Thank you MMT
This app is so helpful, before I even look at a home I calculate what the mortgage will be and check if we can afford it through this app.
This app is so helpful, before I even look at a home I calculate what the mortgage will be and check if we can afford it through this app.
• Improved Prime Projection in the Refinance Analyzer when working with variable rate scenarios.
• Added new ways to connect your app with other platforms. Access the new Connection options in PRO Admin.
• Fixed a crash that could occur when opening the Prime Projection screen from Refinance onboarding.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
18.6.0 Mar 9
What’s New in 18.5.0
Base Updates
• View Available Equity directly in the Refinance Analyzer when consolidating debt
• Cleaner experience for interest-only mortgages with smart field visibility
• More admin colour theme options
PRO Updates
• Refinance Analyzer now supports variable-rates using a Prime Projection Map
• Compare PRO purchase scenarios now support rental income
• Analyze renewals with cashback incentives in Compare PRO
• Compare PRO is now available for desktop in the Web Admin
• Share co-branded Lead Journeys with referral partners
• Import and review client-created comparison scenarios
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
18.5.0 Feb 1
• Compare PRO now allows breaking the mortgage immediately at 0 months.
• Fixed a crash that occurred when opening the full edit screen in Compare PRO.
• Added a universal “Start New” scenario button across all tools.
• Updated the Personal Debt input in Pre-Qual to support multiple payment frequencies.
• Introduced new graphs in Compare PRO that display total interest, total principal, and total paid.
18.4.1 2025-11-29
Compare PRO Renewal – Levelled Up (Again)!
Now includes advanced options like:
• Breaking before the end of the term
• Extending amortization
• Taking out equity
Try it out by creating a new scenario in Compare PRO (side-by-side) and tapping “Remaining Term”
More accurate Quebec estimates
We’ve added support for five new regions to calculate the Taxe de Bienvenue better.
Fixes & improvements
• "Start Application" no longer appears for non-consumers in Refi Analyzer.
• Editing your Current Situation now updates correctly via the full edit screen.
• Fixed a glitch where payment amounts reset after changing frequency in Compare Renewal onboarding.
• The "Start New" button now works properly on all tools.
• Added a new Extra Payment indicator in Compare PRO.
• Squashed several bugs in the Mortgage Journey Map.
• Refreshed French translations for RVP and ABD/ATD.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
18.3.1 2025-11-11
This version improves the Refinance Analyzer's time-saving algorithm when your current mortgage is on an accelerated payment frequency.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
18.2.3 2025-10-20
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.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
18.2.2 2025-10-05
• Updates to the Lender Rental Sheet for some lenders
• Improved Scenario loading
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
11.1.2 2025-07-30
• We gently escorted a cute little bug out of the app in this update.
Thanks for choosing our app. We continually enhance our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to let us know via the support Chat located in the "Settings" app.
11.1.1 2025-07-21
We’ve rolled out some exciting updates to boost performance, simplify workflows, and make the app even more powerful. Here's what’s new:
• 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
Thanks for choosing the Canadian Mortgage App. We continually enhance our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to let us know via the support Chat located in the "Settings" app.
11.1.0 2025-07-17
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.
11.0.0 2025-06-20
Critical bug fix: Refinance Analyzer now works as expected.
10.1.2 2025-05-28
This update fixes an issue in the Refinance Analyzer, specifically when comparing bi-weekly in the current and new mortgage scenarios.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
10.1.1 2025-05-26
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.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
10.1.0 2025-05-22
This version fixes a small crash in the tools where balance can be set to $0.
10.0.1 2025-05-09
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!
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
10.0.0 2025-05-07
We gently escorted a cute little bug out of the app after our last update. Thanks for helping us spot it! It's all clear now!
9.7.2 2025-03-26
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!
9.7.0 2025-03-22
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.
• Improved the PREQ algorithm to accurately decide between FTHB 30-year insured mortgages, uninsured or insurable scenarios.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
9.6.2 2025-03-14
Improvements to the Refinance Analyzer algorithm.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
9.5.1 2025-02-03
• 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.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
9.5.0 2025-01-18
Updates
• 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.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
9.4.1 2024-12-17
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
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
9.4.0 2024-12-13
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
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
9.3.2 2024-12-01
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.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
9.3.1 2024-11-28
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.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
9.2.1 2024-11-22
• Improved Prime Projection in the Refinance Analyzer when working with variable rate scenarios.
• Added new ways to connect your app with other platforms. Access the new Connection options in PRO Admin.
• Fixed a crash that could occur when opening the Prime Projection screen from Refinance onboarding.
At DLC, we’re constantly enhancing our mobile app to improve your mortgage budgeting experience. If you’re experiencing issues or have questions, don't hesitate to contact customer service via our Support Chat in the Settings tab.
more Version 18.6.0 Mar 9
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