Sources & Data Transparency
Our tools are only as good as the data powering them.
Official Data Providers
Rivlosys Mortgage Tools retrieves regulatory data and financial guidelines from the following official Canadian institutions:
- Bank of Canada: Benchmark interest rates and consumer price index data.
- OSFI (Office of the Superintendent of Financial Institutions): B-20 Stress Test floor rates and qualification guidelines.
- CMHC (Canada Mortgage and Housing Corporation): Mortgage loan insurance premium tiers and house price caps.
- Statistics Canada: Regional housing market data and household income averages.
Update Frequency
Our algorithms are audited and updated on the 15th of every month to ensure compliance with the latest federal and provincial housing regulations.