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PMB Private Mortgage Calculator

... Going Private but Wanting Local?

Navigating a private mortgage deal means juggling a lot of moving parts — loan-to-value ratios, lender and broker fees, legal costs, interest structures, and whether the property even fits the lender’s lane. I built the PMB Private Mortgage Calculator specifically around PMB Professional Mortgage Broker’s lending guidelines to give you a clear, honest picture to start the conversation.

Enter your loan amount, property value, position, and fee structure and you’ll instantly see your estimated LTV, monthly payment (interest-only or amortized), net proceeds after closing costs, and a plain-language read on whether the deal is likely a fit for PMB. If it’s not, it’ll tell you that too — and I can help you find the right alternative.

Built to help borrowers across Ontario’s Durham Region, Kawartha Lakes, Peterborough and Northumberland Counties, as well as selective areas of Haliburton and Muskoka.

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Disclaimer

The mortgage calculators provided on this website are for general informational and illustrative purposes only. The results generated are based on user-entered information and standardized assumptions regarding interest rates, amortization periods, debt service ratios, stress test requirements, property taxes, and other inputs.

These tools do not constitute financial advice, mortgage advice, a mortgage approval, or a commitment to lend.

Actual mortgage qualification and terms depend on many factors, including but not limited to:

Verification of income and employment
Credit history and credit score
Existing debt obligations
Down payment source and documentation
Property type and location
Applicable federal and provincial regulations
Specific lender underwriting policies and guidelines

Lender policies and regulatory requirements may change without notice and may differ between financial institutions. As a result, the outcomes produced by these calculators may not reflect the final mortgage approval amount, interest rate, product structure, or conditions offered by a lender.

For advice tailored to your individual circumstances, please consult with me.

Mortgage services are provided in accordance with applicable provincial legislation, including the Mortgage Brokerages, Lenders and Administrators Act, 2006 (Ontario) and regulated by the Financial Services Regulatory Authority of Ontario (FSRA) where applicable.