Tools built for uniformed pay.
Most officers carry a strong salary and real cash flow — the question is never “can you afford a home,” it’s how your pay gets read and how fast the mortgage dies. These tools answer both, with the math verified before anything ships.
2
Live on this desk
50+
Across the family
$0
Free — no sign-up
Live on this desk
Shift-income qualifier
The same pay stub read three ways — base only, two-year average, and the full picture with premiums, overtime and paid duty documented.
The default stub, three readings
Documented properly, the same stub carries $181,911 more purchase. That gap is why this desk exists.
Spousal buyout
Your agreement’s split — percent or dollars — turned into both sides’ shares, the cheque, and the new mortgage. Works for any co-owners, not just spouses.
The default case, split 50/50
One mortgage of $620,000 for the spouse who stays — 72.9% of the home’s value.
Every figure above comes from the same verified engines the tools run on — formulas hand-proven before the pages existed, and the pages proven to match.
From the family hub
These two open on mortgageguru.ca — the main hub — where their math lives and is maintained once for the whole family.
Calculators across the family
Every desk builds its own tools — 50+ free calculators across the family, every one with its math verified. Counted honestly: a calculator that appears on two desks is counted once.
In build — in this order
Every tool ships the same way: formulas hand-verified before the page exists, then the page proven to match. Part of the Mortgage Guru family’s 50+ free calculators — counted honestly.