Finance · QualificationLinked calculator
Mortgage stress test in BC: qualification versus survivability
Understand the minimum qualifying rate and why a lender’s approval is not a complete ownership budget.
Read the decision guideThe BC property research desk.
Search by the decision in front of you—not by whatever was published most recently. Every guide and dataset shows its sources, review date, assumptions, and professional boundary.
Original scenario research
Reusable numbers—with the assumptions attached.
Download the full tables in CSV or JSON, inspect the versioned method, and use the publisher-ready citations.
Dataset 01
The Closing Brief · four-issue launch libraryRead the source-backed research dispatch →BC cash-to-close benchmarks: 13 price and exemption thresholds
A reproducible 2026 scenario dataset showing general property transfer tax, first-time and new-build exemption effects, a 20% down payment, and a fixed planning allowance at 13 purchase-price thresholds.
13 rows · CSV + JSON →Dataset 02BC strata capital stress grid: project scale × stated reserve coverage
Nine deterministic strata-capital scenarios showing how project scale and the share of a stated contingency balance change a modelled unit-level exposure range.
9 rows · CSV + JSON →Finance · CompareLinked calculator
Mortgage broker versus bank in BC: compare the mandate, not the pitch
A neutral comparison of lender access, advice boundaries, compensation, portability, penalties, and service.
Read the decision guideFinance · Private lendingLinked calculator
Private mortgages in BC: a total-exit-cost framework
Evaluate a private mortgage by purpose, term, fees, payment risk, security, and a credible exit—not rate alone.
Read the decision guide