Loan estimates
Illustrate debt repayment options with clear assumptions
This page describes how loan details can be organized and reviewed alongside cash flow, mortgage figures, and savings priorities to illustrate repayment estimates.
Estimates and illustrations are computed using published CRA and Revenu Québec rules and parameters (2026). · Last updated 2026-06-18
Example scenario
A client has a personal loan, a vehicle loan, and credit-card balances. The advisor wants to compare repayment order, estimated interest saved, and the monthly cash-flow impact of an accelerated payment.
Workflow steps
- List balances, rates, payment amounts, terms, and prepayment options.
- Compare amortization, total interest, and accelerated-payment estimates side by side.
- Connect repayment order to emergency savings and investment priorities in the file.
Expected outcome
The advisor can present a repayment comparison tied to the broader client file, with each figure shown as a reviewed estimate.
FAQ
Does this replace a credit professional?
No. It illustrates estimates to support the discussion; the figures are reviewed by the advisor and any credit decision belongs with a qualified professional.
Can the debt figures stay private?
Yes. Real calculations stay inside the authenticated app; this page describes the workflow with representative figures only.
Related resources
This resource belongs to the Debt and cash-flow illustrations group. Compare the neighbouring resources:
Mortgage scenario estimates for Canadian files
This page helps an advisor illustrate payment changes, amortization, refinancing, and prepayment estimates with clear assumptions the client can review.
Household budget and cash-flow capacity
This page explains how an advisor can organize income, expenses, savings room, and debt commitments to estimate monthly capacity before ranking competing priorities.
Rental property cash-flow estimates
This page describes how property data can be organized to illustrate cash-flow estimates for the discussion, without publishing addresses, tenants, or owner records.
Prepare this workflow in AssureConcept
Use the secure application for real client files, reviewed documents, and advisor-ready reports.