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Mortgage Sandbox
Compare mortgage prices, rates, and terms. Understand high-ratio vs low-ratio mortgages and the required down payments based on Canadian purchase price brackets.
Canadian Mortgage & DIY Emergency Simulator
Take control of your home buying journey and handle common household emergency repairs. Model mortgage amortizations (up to 25/30 years), apply CMHC rules on down payments (under 20% high-ratio insurance premiums), calculate closing costs (including BC Land Transfer Tax), and race against the clock in the DIY emergency simulator.
High-schoolers, students, and first-time home buyers in British Columbia preparing for the financial and practical realities of homeownership.
Compare mortgage prices, rates, and terms. Understand high-ratio vs low-ratio mortgages and the required down payments based on Canadian purchase price brackets.
Calculate closing cost requirements, including BC Land Transfer Tax (with first-time buyer exemption thresholds), appraisal fees, and legal expenses.
Handle high-stakes timed scenarios. Apply correct tools in specific rooms to resolve grease fires (baking soda/lid), water main leaks, and tripped bathroom GFCI outlets.
Model regular home maintenance, municipal property taxes, strata fees, home insurance, and utilities to build a realistic monthly household budget.
Learn crucial household rules: why you should never throw water on grease fires, how to identify circuit breaker overloads, and how key home safety valves work.
Pass the 3 Academy tracks (Mortgage Basics, DIY Safety, Ongoing Maintenance Costs) to unlock professional credentials and earn simulated ledger savings.
Completely self-contained sandbox — no internet required when run locally in the classroom.
Educational simulation only — no real mortgage applications, utility payments, or financial bindings involved.
Every session ends with a quick 15–20 min real-world task that turns the simulator into a habit — research and observation only, no accounts or spending.
Find a real BC listing and calculate the down payment, whether CMHC applies, and the monthly carrying cost.
🔒 Privacy-first — blur any personal details and never share private info. Localized for British Columbia.
HomeBound is part of our hands-on Life Skills workshops.
No payment required to apply. We'll contact you to confirm schedule options and availability.