Keystone Mortgage Group · Custom tool
From first number to funded file
Walk through the whole journey: a client checks what they can really afford, compares options, uploads documents and books a call. Then switch to the broker's desk to see the pipeline, the pre-approval and the follow-ups that run themselves.
Why they asked for it
“Every bank calculator online is American or ignores the stress test. Clients show up thinking they can afford $200,000 more than they can. I want a calculator that tells them the truth before we talk.”
Broker, Keystone Mortgage Group (fictional)
Try it
What can we help you with?
Picked: Buy a home. Press Next to continue.
Illustrative only, not a rate quote or approval. Uses the federal stress test (higher of contract rate + 2% or 5.25%), 39% / 44% debt service limits, about $450 a month for property tax and heat, and semi-annual compounding for fixed rates. All names, lenders and rates are fictional.
Why it's custom, not cookie-cutter
- Uses the Canadian stress test: qualifies you at the higher of your rate plus 2% or 5.25%, not at your actual rate.
- Follows Canadian minimum down payment rules and flags when default insurance applies under 20% down.
- Calculates payments with semi-annual compounding, the way Canadian fixed mortgages actually work.
- Has a renewal mode, because shopping renewals 120 days early is a core part of how Keystone helps clients.
- Feeds the broker's pipeline directly: file completeness, renewal radar for past clients, and a pre-approval drafted from the client's own answers.
How we built it
- 1. Rules from the brokerWe wrote down the debt ratios, stress test and down payment rules the broker uses every day.
- 2. One journey, two sidesBuyers, renewals and refinances each get their own path, and every answer flows straight into the broker's desk.
- 3. Follow-ups that rememberRate-hold reminders, review and referral asks, and the renewal check-in years later are scheduled the moment a summary is sent.
- 4. Checked against real filesWe compared results with lender worksheets and added the plain-language notes clients kept asking about.
This is a concept demo. Keystone Mortgage Group is a fictional business, and every price, rule and number in this tool is illustrative only. We built it to show the kind of tool we make for real local businesses.
See all custom tools → See the Keystone Mortgage Group concept site →