Expertise in Canadian Mortgage Calculations
Independent, data-driven financial tools updated for 2026 regulations.
Our Mission at Rivlosys Mortgage Tools
Rivlosys Mortgage Tools was founded to provide Canadians with unbiased, bank-grade mortgage calculations without the need for logins or data collection. Our algorithms are updated monthly to reflect OSFI B-20 stress test regulations and provincial land transfer tax changes.
Our Methodology & Expertise
The Rivlosys Mortgage Engine is built using professional financial standards. We don't just multiply numbers; we simulate the entire loan lifecycle including:
- Semi-Annual Compounding: Correctly applying the Canadian legal standard for fixed-rate mortgages.
- Tiered Insurance: Calculating CMHC, Sagen, and Canada Guaranty premiums based on specific LTV (Loan-to-Value) ratios.
- The 2026 Stress Test: Qualification checks against the greater of the contract rate + 2% or the 5.25% floor.
Trust & Transparency
All calculations are verified by our team of Canadian software engineers and financial analysts. We rely on official data from the Office of the Superintendent of Financial Institutions (OSFI) and the Bank of Canada.
Rivlosys Engineering
Based in Toronto, Ontario. Dedicated to making complex financial math accessible to every Canadian homebuyer.
Last Algorithm Audit: January 15, 2026