Homie: Home-Buying Calculator

AS SEEN IN: Globe & Mail · Financial Post · National Post · Business Insider

Wondering what your credit score actually means?

A number without context doesn't help. Homie shows your credit score from Equifax Canada AND what that score can get you — plus a clear plan to improve both.

BETTER THAN A MORTGAGE CALCULATOR

Mortgage calculators guess using estimates. Homie calculates your real home affordability using your actual income, debts, and credit score — the same way Canadian lenders do.

WHO IT'S FOR

First-time home buyers in Canada who want to understand their credit score and turn it into a home they can actually afford.

HOW IT WORKS

Connect securely — see your credit score instantly (soft inquiry, no impact) Get your real buying power — calculated the way lenders do Understand what's helping and hurting your number Follow weekly tasks to improve your score and grow your buying power Get alerts when rate drops mean you qualify for more

WHAT YOU GET

Your Credit Score — In Context See your Equifax credit score with a soft inquiry. More importantly, see what it means for your home buying goals. Your Buying Power — Not a Guess Forget generic mortgage calculators. Homie uses your real data to show what you actually qualify for. Credit Score → Home Price See exactly how your score affects affordability. A 680 vs 720 could mean $50K more home. Down Payment Tracking Track your savings goal. Get smart nudges. Watch your options open up as you save. Debt Optimization Simple suggestions that raise your score and free up borrowing room — like which card to pay down first. Preapproval Readiness Know when you're mortgage-ready before you talk to a lender. No surprises. No rejection. Rate Drop Alerts We monitor Bank of Canada announcements and tell you when falling rates grow your buying power. Weekly Coaching Clear tasks. Real progress. No more "where do I even start?" confusion.

WHY HOMIE INSTEAD OF JUST A CREDIT SCORE APP

Credit score apps show you a number. Homie shows you what that number qualifies you for — and how to get more. Your credit score from Equifax (soft inquiry) PLUS what it qualifies you for PLUS a plan to improve both PLUS alerts when your options grow

If your goal is buying a home, why stop at just knowing your score?

WHY CANADIANS TRUST HOMIE

Featured in Globe & Mail, Financial Post, National Post, and Business Insider Trusted by Homewise, TMG, and first-time buyers accross Canada Built specifically for Canadian first-time home buyers Soft credit inquiry only — no impact to your score Bank-level encryption (256-bit AES) Jargon-free coaching that actually makes sense

WHAT HOMIE IS (AND ISN'T)

Homie is an educational tool that helps you understand your credit score, your affordability, and how to get mortgage-ready. We are not a lender or mortgage calculator. When you're ready, we connect you with trusted mortgage partners.

LEGAL NOTE Homie is an educational tool, not a lender, and doesn't issue credit decisions. Estimates use standard Canadian underwriting formulas; your final approval may differ. Terms of Use: https://www.meethomie.ca/terms-of-use Questions? Email support@homieapp.ca — real humans reply.