Red-Flag Analysis
Pinpoint toxic clauses hidden in dozens of pages.
We automatically scan and highlight dangerous clauses like Bona Fide Sale Restrictions or unfair prepayment penalties, explaining their financial impact in plain English.
AI-Powered Canadian Mortgage Audit
Every Mortgage Contract Needs a Smart Audit
Mguard.ai reads your fine print before you sign—surfacing prepayment risk, penalty mechanics, and exit friction.
Capabilities
Built for clarity, not noise
Strategic Risk Radar
Instantly grasp your mortgage health score.
Don't guess penalties. Our AI analyzes complexities like IRD and compounding rates to provide a clear risk score before you sign.
Exit Calculator
Forecast penalties under different future scenarios.
Simulate what happens if you sell in 2 years vs. 4 years. See estimated penalty amounts for each scenario and choose a mortgage that truly protects your equity.
Purpose
The Story Behind Mguard.ai
I thought I knew mortgages well, but I still fell into the trap.
I signed the contract, trusting the process. Two years later, when I was ready to sell my home, I realized there were hidden clauses I had completely missed. By then, it was too late to avoid massive penalties.
I built Mguard.ai because I don't want anyone else to become a victim like I was. I know how busy life gets and how overwhelming those dozens of pages can be. Our AI is here to explain your mortgage in plain English, pinpointing risks before you sign.
My goal is simple: you should see what a clause can cost you before you sign — not after.
Don't just sign—protect your future. Experience Mguard.ai today.
Pricing
Simple pricing
Beta accounts still start with 3 free audits — no card required. Paid credits below are for after they’re used up.
Basic
$19 CADone-time
1 audit credit · Clause audit + Exit Simulator
- 1 audit credit
- Full clause audit with toxic-clause flags
- Exit Simulator with penalty breakdown
- Credits never expire
Best value
Pro
$29 CADone-time
3 audit credits · Everything in Basic + Comparison (multi-offer ranking) unlocked
- 3 audit credits
- Everything in Basic
- Comparison unlocked — rank multiple offers side by side
- Credits never expire
Frequently Asked Questions
Straight answers
How is my mortgage PDF handled and stored?
The text is extracted from your PDF in your browser and processed by Google's Gemini API to produce your analysis. When you're signed in, your audit results are saved to your account so you can reopen them — we don't keep your original PDF file, and we never use your documents to train AI models.
How accurate is the clause analysis?
Mguard.ai produces an illustrative, rules-assisted reading of your commitment text against common Canadian retail patterns. It is not a substitute for a lawyer.
Does this count as legal or financial advice?
No. Mguard.ai is an information and organization tool.
Which mortgage products are supported?
The audit flow is built around standard Canadian residential mortgage commitment language.
Ready to secure your mortgage?
Analyze your commitment today and walk into the lender conversation prepared.