Buyer Readiness HQ
One saved profile that watches your home-buying power between now and the day you buy. Mortgage rates move every week; when a move changes what you can afford — or your lease turns the clock — we tell you. Free, private, no listings, no spam.
What a rate move does to your budget
A household earning $120,000 with $100,000 saved can afford about $687,455 at a 5.00% rate. If the benchmark drops 25 basis points to 4.75%, that budget becomes about $702,103 — a $14,648 change from one rate move, computed under Canadian GDS/TDS underwriting with semi-annual compounding (25-year amortization).
That is the number we watch for you. When it moves by enough to matter — in either direction, honestly — you get one alert, at most weekly, never manufactured.
Start watching (60 seconds)
Free. Your numbers stay on this device until you create an account and save them — and they never appear on the marketplace.
How it works
- Your numbers are computed with the same math as our free affordability calculator — Canadian GDS/TDS ratios, semi-annual compounding, CMHC rules.
- The benchmark is an official posted rate, not a quote — your lender's rate will differ.
- Your profile is private. It is not a marketplace listing and agents can't see it. When you're ready, you can post an anonymous listing separately.
Estimates only — not financial, legal, or tax advice. matchclose doesn't sell mortgages or take applications. Figures use Canadian (Ontario) assumptions; confirm with a licensed professional.