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Free mortgage worksheets
Eight one-page worksheets from Appendix B of Unlocking the Mortgage Code. Print them, fill them in by hand, and bring them to the lender meeting or the kitchen table. A borrower who shows up with a worksheet is a borrower nobody can coast on.
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Download the complete pack (8 pages)
- B-1Personal affordability stress test
Your budget at today's rate and at the qualifying rate, before a lender tells you what you can afford. Pairs with the stress test guide.
- B-2Closing-cost estimator
Legal fees, transfer tax, inspection, insurance premium tax and adjustments, line by line.
- B-3Renewal comparison sheet
Three offers side by side: rate, term, prepayment privileges and penalty method. Start six months before maturity.
- B-4Refinance break-even worksheet
The paper version of the break-even calculator, for when you're on the phone with your lender.
- B-5Reverse mortgage checklist
Fifteen questions to ask before signing, with space for each lender's answers.
- B-6Broker vetting sheet
Licensing, lender access, compensation and conflicts: what to ask any mortgage broker.
- B-7Program master list
Federal and provincial programs that can lower your costs, with a checkbox for each.
- B-8Annual mortgage checkup
A once-a-year review of your balance, rate, privileges and plan. Print it every year.
Tip: print B-8 every year and B-3 six months before your maturity date. Those two alone pay for the printer.
How to use them
Each worksheet asks the questions that matter for one decision, in plain language. They're designed to be used with the calculators and guides on this site: run the numbers here, then write them down where you can compare them, show a partner, or hand them across a desk.
The worksheets are general tools for education, not advice. Your own lender, broker, lawyer or financial planner can help you apply them to your situation.