Supported workflows
- Compare up to six Canadian fixed-rate mortgage scenarios.
- Calculate a B-20 qualification payment and user-supplied GDS/TDS scenario.
- Calculate GDS, TDS, LTV, and CLTV from supplied totals.
- Estimate common prepayment-penalty methods with explicit warnings.
Input requirements
- Use Canadian dollars and jurisdiction CA.
- Enter rates as decimals: 5.25% is 0.0525.
- Include the date on which supplied rates and policy assumptions were confirmed.
- Use sanitized, non-identifying numeric totals only.
What is not supported
The plugin cannot process borrower documents or accounts, approve a mortgage, recommend a lender, look up current rates or policies, submit an application, or contact anyone. If a request needs one of those actions, the safe response is a refusal or a request for explicit non-identifying inputs.
Troubleshooting
The result says it cannot calculate
Review the returned blocker and add the missing numeric input. Do not replace a missing value with invented data.
The result looks unexpected
Check rate units, payment frequency, monthly versus annual totals, the effective date, and the returned assumptions. Confirm the result against the relevant lender or insurer method before using it professionally.
The plugin is unavailable
Retry once after a short interval. Repeated retries may be rate limited. If the problem continues, contact Clara with the client name, approximate time, tool name, and non-sensitive error text.
Contact support
Do not include borrower information, documents, credentials, complete prompts, or private account data in a support request.