Mortgage Game Plan | Adam Walker Mortgages
Walker Mortgages — Mortgage Game Plan
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Do you currently own a home?

This shapes your entire strategy — everything changes depending on where you are today.

No, not yet
Looking to buy my first home
Yes, I do
Already own a home
Question 2

Which of these best describes your situation?

Be honest — there's no wrong answer. This determines your game plan.

I want to lower my monthly payments
I want to pay off my mortgage faster
My mortgage is up for renewal in the next 6–24 months
I am thinking about moving or buying another home
I am going through or planning a separation or divorce
Question 2 of 8

What is your household income before taxes?

Include all income sources for everyone who will be on the mortgage application.

Under $50,000
$50,000 – $70,000
$70,000 – $90,000
$90,000 – $110,000
$110,000 – $140,000
$140,000 – $180,000
$180,000+
Question 3 of 8

How much have you saved for a down payment?

Include savings, investments, FHSA, RRSP, or any gift from family.

Nothing saved yet
Under $10,000
$10,000 – $20,000
$20,000 – $35,000
$35,000 – $50,000
$50,000 – $75,000
$75,000 – $100,000
$100,000+
Question 4 of 8

Approximately how much do you pay toward debts each month?

Include car loans, student loans, credit card minimums, lines of credit — anything that shows up on your credit bureau. Do not include rent.

$0 — no monthly debt payments
$1 – $250
$250 – $500
$500 – $750
$750 – $1,000
$1,000 – $1,500
$1,500 – $2,500
Over $2,500
Question 5 of 8

What is your target home price?

Drag the slider to your target — or select "I just want to know my maximum" below.

$200K$1.5M+
$500,000
Question 6 of 8

How would you describe your credit score?

This directly affects which lenders and rates are available to you. Be as accurate as you can.

Below 600
May need alternative lender options
600 – 639
Fair — some lender restrictions apply
640 – 679
Acceptable — most lenders available
680 – 719
Good — strong lender options
720 – 759
Very good — best rates available
760+
Excellent — every door is open
Not sure
We can help you find out
Question 7 of 8

How are you paid? Select all that apply.

Lenders treat different income types very differently — this is one of the most important questions we ask.

Salaried (T4 Income)
Hourly — Guaranteed Hours
Overtime
Bonus / Commission
Hourly — Part Time
Self Employed
Canada Child Care Benefit
Other
Question 8 of 8

Do you have a mortgage pre-approval in place?

Knowing where you stand helps us figure out the right next step for you.

Yes, I have a current pre-approval
I had one but it expired
I've started the process
I only spoke to my bank
No pre-approval yet
Question 3 of 9

What are your total monthly payments toward debts — excluding your mortgage?

Include car loans, credit card minimums, lines of credit, student loans — anything that goes out every month.

$0 — no other debt payments
$1 – $500
$500 – $1,000
$1,000 – $1,500
$1,500 – $2,000
$2,000 – $3,000
Over $3,000
Question 4 of 9

Do you currently carry balances on credit cards?

Credit card interest averages 19–22%. This is often the most expensive debt people carry without realizing it.

Yes — I carry a balance most months
Sometimes — it depends on the month
No — I pay in full every month
Question 5 of 9

After all your monthly expenses, how much do you typically have left over?

Think mortgage, loans, bills, gas, groceries, kids' activities — everything. What's actually left at the end of the month?

Less than $500
Most months it's gone before it comes in
$500 – $1,000
$1,000 – $2,000
Over $2,000
Question 6 of 9

Approximate value of your home?

This helps us understand how much equity you may be able to access.

Under $400,000
$400,000 – $500,000
$500,000 – $600,000
$600,000 – $750,000
$750,000 – $1,000,000
Over $1,000,000
Question 7 of 9

What is your current mortgage balance?

Under $150,000
$150,000 – $250,000
$250,000 – $500,000
$500,000 – $750,000
Over $750,000
Question 8 of 9

What is your current mortgage rate?

Under 3.5%
3.5% – 4.75%
4.75% – 5.5%
5.5% or higher
Variable rate
Not sure
Question 9 of 9

When was the last time your bank proactively reviewed your mortgage strategy with you?

Not a renewal notice — an actual strategy conversation about whether your mortgage is still working for you.

Within the last year
1–2 years ago
More than 2 years ago
Never — they don't do that
You're not alone. Most banks don't.
Question 3 of 6

What is your current mortgage balance?

Under $200,000
$200,000 – $400,000
$400,000+
Question 4 of 6

What is your current interest rate?

Under 3%
3% – 5%
5% or higher
Question 5 of 6

Do you have extra monthly cash flow available?

Even $200–$300 extra per month can take years off your mortgage. Be honest here.

Yes, consistently
Sometimes
Not really right now
Question 6 of 6

What is your main goal?

Pay off my mortgage as fast as possible
Save as much interest as I can
Just exploring what's possible
Question 3 of 6

When is your mortgage up for renewal?

Within the next 6 months
6–12 months
12–24 months
Question 4 of 6

What is your current mortgage rate?

Under 2.5%
Locked in before rates rose — renewal will be a significant jump
2.5% – 4%
4% or higher
Question 5 of 6

If your payment increased significantly at renewal, how would that impact your household?

Significant stress — I don't know how we'd manage
Some impact — tight but we'd get through it
Minimal — we have enough cushion
Question 6 of 6

Have you reviewed your mortgage options recently?

Not just accepted the renewal offer your bank sent — actually compared options across lenders.

Yes — I've been comparing options
Not in detail
No — I just plan to sign what they send me
This is how most people overpay by thousands
Question 3 of 6

What is the estimated value of your current home?

Under $500,000
$500,000 – $800,000
$800,000+
Question 4 of 6

What is your remaining mortgage balance?

$400,000+
$200,000 – $400,000
Under $200,000
Question 5 of 6

Why are you planning to move?

More space or upgrading
Downsizing
Just exploring my options
Question 6 of 6

What is your timeline for moving?

Within 6 months
6–12 months
Just exploring
Question 3 of 6

What stage are you in?

There's no judgment here — we help families through every stage of this transition.

Recently separated
In the process now
Planning ahead
Question 4 of 6

What is your current housing situation?

I need to move
Unsure what happens next
Stable for now
Question 5 of 6

What is your biggest concern right now?

Can I actually afford a home on my own?
I need legal and financial clarity
Just gathering information for now
Question 6 of 6

What would help you most right now?

Clear next steps — I need a plan
Understanding all of my options
Just information for now

Mortgage Game Plan

The Quiz for Southern Ontario home owners and those aspiring to be wish they'd found sooner.

Ready to pay off your mortgage?

Build your Mortgage Game Plan Today!

When we sit down for a Mortgage Strategy Call we review the whole picture.

Your current mortgage balance
Your renewal timeline
Your family budget
What your payment could look like at different interest rates

Then we build a plan so your mortgage renewal feels like a decision you are prepared for instead of a surprise.

Just like in sports, the best teams win because they prepare.

Your mortgage should be no different.

Trusted Guidance, Proven Success

Mortgage decisions are rarely just about the lowest rate. Families across Ontario are searching for ways to lower monthly payments, prepare for mortgage renewal, or understand how much home they can afford. The Mortgage Game Plan assessment was created to help simplify that process. By answering a few quick questions about your situation, you can explore strategies that may help you reduce interest costs, improve monthly cash flow, or prepare for your next home purchase. Whether you are a first time home buyer, planning to refinance, or approaching renewal, understanding your options early can make a significant difference.

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Adam Walker, Mortgage Agent M09001899
BRX 13463