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Measured on six things

Free Canadian mortgage calculators and AI mortgage tools by Jenny Tate, a licensed Ontario mortgage agent.

Growth

Real recurring Canadian problem — renewal comparison, break-vs-stay penalty math, debt consolidation — with an MCP-native wedge into ChatGPT and Claude that Ratehub and NerdWallet do not offer. Narrow Ontario-only scope caps the ceiling.

Screenshots

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Mortgage Tools by Jenny

About this app

Mortgage Tools by Jenny gives Canadians free mortgage calculators built on real Canadian rules, plus an AI/MCP version so assistants like ChatGPT and Claude can run accurate numbers. Made by Jenny Tate, Mortgage Agent Level 1 (FSRA M22002086), Tango Financial, Burlington, Ontario.

Key features

1Six MCP-native Canadian mortgage calculators that plug into ChatGPT, Claude, Perplexity and other assistants with no account or email
2Renewal offer comparison, break-vs-stay analysis, prepayment planning and debt consolidation modelling from user-supplied figures
3Nine Ontario-specific mortgage preparation guides plus a browser-based calculator fallback for users without an AI assistant

Target customer profile

Drawn from the product itself, not from a survey.

Demographic

Canadian homeowners facing mortgage renewal

Pain points

Confused by competing lender offers; unsure how to factor in switching costs and cashback.

Primary needs

A clear comparison of renewal offers based on total borrowing cost and debt remaining.

Demographic

Ontario homeowners considering breaking their mortgage early

Pain points

Anxiety over penalty fees; difficulty calculating if the savings from a lower rate outweigh the penalty.

Primary needs

A side-by-side analysis of cashflow payback versus total borrowing cost crossover.

Demographic

Homeowners with high-interest debts (credit cards, car loans)

Pain points

Unsure if rolling debts into a mortgage is financially beneficial long-term; confused by lower payments vs. total cost.

Primary needs

Scenario modeling to compare keeping debts separate versus consolidating into the mortgage.

Scout Review

Written by AI from measured evidence, scored out of 100.

Mortgage Tools by Jenny is a free, MCP-native set of six Canadian mortgage calculators that plug directly into ChatGPT, Claude, Perplexity and other assistants. The tools cover renewal comparison, break-vs-stay analysis, prepayment planning, debt consolidation and Ontario prep guides — all working from figures the user supplies, with no account or email required. The site is fast on desktop, stable in layout, and unusually well-secured for an indie tool, with a full 12/12 header checklist. Design is functional but dated, accessibility is strong except for contrast, and the growth story is a real wedge into AI assistants constrained by an Ontario-only, no-rate-search scope. It is a competent, honest tool that does one narrow thing well.

Measure by measure

Usability

No account, no email, and a three-step MCP setup with assistant logos and a copyable server address make the core action obvious. Tool descriptions are dense, so first-timers may scan longer than they should.

Design

Clean 2x2 tool cards with example prompts and copy buttons, plus a professional headshot that adds trust. The beige/green palette, serif headline and dense small text read earnest and slightly dated rather than modern SaaS.

Speed

Lighthouse mobile 80/100 (LCP 4.1s, CLS 0, TBT 27ms) and desktop 96/100. Layout is stable and main-thread work is minimal; the 4.1s mobile LCP is the one real drag.

Security

Full 12/12 header checklist: HTTPS, HSTS, CSP, frame protection, Referrer-Policy, Permissions-Policy, SPF and DMARC. MCP server is intentionally unauthenticated and stateless; no published audit or bug bounty found.

Accessibility

Lighthouse accessibility 97/100 with one failing audit: insufficient color contrast. Responsive layout and clear copy buttons help; no a11y statement, WCAG claim or multi-language support published.

Growth

Improvement areas

Mobile LCP of 4.1s — preload or self-host the headline font and defer non-critical assets to close the gap with desktop's 96/100
Single failing Lighthouse accessibility audit for color contrast, plus no published accessibility statement or WCAG conformance claim
Ontario-only scope with no rate search, penalty calculation or lender recommendations limits the addressable audience and use cases

Design & Usability

The homepage is a clean, functional 2x2 grid of tool cards, each with a title, description, yellow example-prompt box and a white Copy button. A professional headshot and the FSRA licence number up front add credibility that most indie calculators skip. The three-step MCP setup with ChatGPT, Claude and Perplexity logos is genuinely low-friction — no account, no email, just copy the server address. The weaknesses are tonal and typographic: a beige/green palette and serif headline read earnest rather than modern, and the disclaimer and tool-description text is small and dense enough to slow scanning. A first-time visitor knows exactly what to do; they just have to squint a little to read why they should.

Speed & Security

Measured Lighthouse performance is 80/100 on mobile and 96/100 on desktop, with CLS 0 and TBT 27ms — the layout is stable and the main thread is quiet. The 4.1s mobile LCP is the one number worth fixing; it suggests a render-blocking asset or font on the critical path. Security is a genuine strength: the HTTP probe returned 12/12 checklist points including HSTS, CSP, frame protection, Referrer-Policy, Permissions-Policy, SPF and DMARC. The MCP server is deliberately unauthenticated and stateless, and the site is explicit that tools only work from user-supplied figures. No SOC 2, ISO or bug bounty is published, which is normal for a solo-agent tool but keeps this out of the top band.

Accessibility & Growth

Lighthouse accessibility scores 97/100 with a single failing audit for insufficient color contrast — the beige-on-beige palette is the culprit. The site is responsive, keyboard-friendly in the obvious places, and the copy buttons are large targets. There is no accessibility statement, no WCAG conformance claim and no French version, which matters for a Canadian financial tool. On growth, the idea is sharper than it first looks: renewal comparison, break-vs-stay penalty math and debt consolidation are recurring, high-anxiety Canadian problems, and the MCP-native delivery into ChatGPT and Claude is a wedge Ratehub and NerdWallet structurally do not have. The ceiling is the scope — Ontario-only, no rate search, no lender recommendations, no penalty calculation — which keeps it a very good niche tool rather than a category challenger.

Conclusion

If you are a Canadian homeowner staring at a renewal letter or a penalty quote and you already use ChatGPT or Claude, this is a genuinely useful thing to wire up — it costs nothing, asks for no email, and does the comparison math the assistant otherwise gets wrong. If you want rate shopping, lender recommendations or a penalty calculation, look at Ratehub or NerdWallet instead. The honest read: this is a specialist tool for a specific moment, built by someone who clearly knows the Ontario mortgage rules and chose to ship the calculator rather than the sales funnel. That restraint is rare and worth something.

Suggestions for improvement

Fix the mobile LCP (4.1s) by preloading or self-hosting the headline font and deferring non-critical assets
Raise the contrast on the beige/green palette to clear the one failing Lighthouse audit and add an accessibility statement
Publish a French version or at minimum a French landing page — Canadian financial tools without it lose a large audience
Add a short 'what this does not do' section above the fold so users do not expect rate search or penalty calculation

How we score

Alternatives comparison

Named competitors, point by point. Nobody paid to appear here or to be left out.

	Mortgage Tools by Jenny	Ratehub.ca	NerdWallet Canada
AI assistant integration (MCP server)	Yes — native MCP server at mcp.jenny.mortgage/mcp, works with ChatGPT, Claude, Perplexity, Le Chat, Grok, Cursor and VS Code	No — browser-based calculators only, no MCP or AI assistant integration	No — browser-based calculators only, no MCP or AI assistant integration
Mortgage rate search and lender comparison	No — tools work only from user-supplied rates and terms; no rate search or lender recommendations	Yes — core feature, searches live mortgage rates across Canadian lenders	Yes — mortgage rate comparison and lender information for Canada
Break-vs-stay penalty analysis	Yes — compare_break_or_stay tool shows cashflow payback and total borrowing cost crossover using the lender's dated penalty quote	Partial — penalty calculators exist but not a full break-vs-stay crossover model	Limited — general mortgage calculators, no dedicated break-vs-stay crossover tool
Debt consolidation modelling	Yes — compare_debt_consolidation models keeping debts separate vs consolidating at minimum payment vs same repayment budget	Limited — general mortgage and debt calculators, not a dedicated consolidation comparison	Limited — debt and mortgage content, no dedicated consolidation modelling tool
Cost to use	Free — no account, no email, no payment step; Jenny does not charge for the tools	Free — monetised through lender referrals and advertising	Free — monetised through affiliate partnerships and advertising
Ontario-specific mortgage preparation guides	Yes — nine short preparation guides written specifically for Ontario	General Canadian mortgage guides, not Ontario-specific preparation content	General Canadian mortgage and personal finance content, not Ontario-specific