Panel 1
Deal Basics
Enter the core numbers first. The calculator will instantly update the deal structure, LTV, costs, and PMB fit assessment.
Exit strategy is key to every private mortgage.
Contact Allen if you are unsure.
Contact Allen if you are unsure.
For second mortgages, this is required for combined LTV.
Base rates: 6.75% (1st) / 8.75% (2nd). All rates subject to full PMB review — not a commitment.
Panel 2
Property & Location
📍 Servicing Check: L1C
This property appears to fall within PMB’s servicing area.
Within PMB Area
Panel 3
Fees & Closing Costs
These defaults follow the PMB guideline style. You can adjust them to model alternate scenarios.
Will not exceed the lender fee.
Results Dashboard
Scenario Summary
Estimated LTV
50.0%
Within PMB maximum
Selected Payment
$1,458
Interest-only
Auto Rate
7.00%
Condition-adjusted
Total Fees
$9,666
Excludes future extension costs
Net Proceeds
$240,334
Estimated proceeds before payout assumptions
Likely PMB Fit
This scenario appears to fit PMB’s published lane based on service area, LTV, loan size, and property profile. Final approval remains subject to manual underwriting, property review, and exit strategy.
Visuals
Decision Graphics
Net Proceeds Waterfall
Estimated loan less modeled fees and closing costs.
Total Cost Stack
Modeled total upfront cost
Lender fee, brokerage fee, legal, title, disbursements, appraisal, and HST
$0
Interest-Only Structure
- ✓Lower monthly carrying cost.
- ✓Useful where the exit strategy is expected within the term.
- ✓No principal reduction during the term.
Amortized Structure
- ✓Higher payment, but principal is reduced over time.
- ✓Can support a longer stabilization path.
- ✓Amortization limit depends on funding structure.
Panel 4
Structure & Cost Details
Panel 5
Submission Readiness & Notes
Suggested Submission Items
- ✓Application
- ✓Credit bureaus
- ✓Verification of identification / AML
- ✓Property tax statement
- ✓Existing mortgage statement(s)
- ✓APS if purchase
- ✓Borrower story and clear exit strategy
Important Notes
- !PMB service screening here is based on the specific approved first-three-character postal-code prefixes built into this tool.
- !Final terms depend on location, marketability, condition, underwriting review, and the borrower’s overall strategy.
- !Straight rental and commercial-only scenarios are treated as outside PMB’s core lane.
- !This tool is designed to continue helping the user even when PMB is not a fit, by directing them to Allen for other private lending options.
This calculator is for educational, illustrative, and preliminary discussion purposes only. It does not constitute a mortgage approval, a lending offer, financial advice, or legal advice. Rates, fees, structures, and eligibility may change and remain subject to full lender review, property considerations, supporting documentation, and applicable lender and regulatory requirements. Payment estimates use Canadian semi-annual compounding per the Interest Act (Canada); actual commitment amounts may vary. HST applies to legal fees, title insurance, and disbursements only — lender and brokerage fees are financial services exempt from HST under the Excise Tax Act. Condition-based rate increments are indicative only and do not represent a commitment from PMB.