A room full of kids is hard enough.
Your mortgage shouldn't be.

Free mortgage check-up for Ontario teachers. Built for the grid, summer pay, and LTO income. Takes 2 minutes, completely private.

🔒 Private⚡ 2 min✅ No strings📊 Real rates

7,000+

mortgages graded

2 min

start to grade

A+ to F

your grade

📍 Ontario right now

Why this matters today

⏰

The renewal wave is here

Locked in at 1.5% in 2021? Those terms are up. Your next rate could move your payment a lot.

2026

🧮

Teacher income gets read wrong

Occasional and LTO teachers get declined for "no salary" when a two-year average qualifies them. The grade shows where you really stand.

Common

🎯 Sound like you?

🔄

Renewing in the next 18 months

Your bank sends a letter. You sign it. That's their whole strategy. See what you'd actually qualify for.

Most common

🏡

Buying your first place

Teacher salary, pension stability, FHSA and the land transfer tax rebate. Math worth running.

First-timers

📄

LTO or occasional, unsure if you qualify

You do. Lenders average your last two years of teaching income. The grade shows you where you stand today.

Contract income

⚡ How it works

1

Plug in your details

Rate, balance, lender, renewal date.

2

Get your grade

A+ to F, compared to today's best rates.

3

Do whatever you want

Report card, renewal alert, or just move on with your life.

You grade work all year.
Grade your mortgage once.

On your prep, on your phone. Done.

No signup · No spam · Your data stays yours

GradeMyMortgage.ca
A free check-up for Ontario teachers · Not affiliated with any school board, teachers' federation, or the Ontario Teachers' Pension Plan.
A tool by GradeMyMortgage.ca
Your data is encrypted, stored in Canada, and never shared with third parties.

A room full of kids is hard enough.Your mortgage shouldn't be.

A room full of kids is hard enough.
Your mortgage shouldn't be.