✅ Designed for Canadian fixed-rate mortgages

✅ Adaptable for mortgages in other countries

✅ Start using it anytime during your mortgage journey

✅ Built for a 3-year term and easily modified at renewal for a new term length (e.g., 5 years)

✅ Affordable, reusable, and yours to keep

✅ Track principal, interest, and extra payments

✅ Reconcile balances against lender statements

✅ Watch your mortgage balance shrink and your equity grow

Like many families, I wanted a simple way to understand exactly what was happening with my mortgage.

When I renewed my mortgage, I found it difficult to track how much of each payment was going toward principal versus interest, how extra payments affected my balance, and how changing interest rates at renewal would impact my mortgage over time.

I tried several mortgage spreadsheets and calculators, but none of them gave me the level of detail I wanted. I also noticed that my spreadsheet calculations occasionally differed slightly from my lender's reported balance, so I built a reconciliation feature to help identify and account for those differences.

What started as a personal budgeting tool became something I relied on regularly for planning, tracking, and peace of mind.

This workbook is the result of that journey. My hope is that it helps other families better understand their mortgage, make informed financial decisions, and feel more confident about their path to becoming mortgage-free.

Best of luck on your homeownership journey.

Heather Ochalski, M.A.Ed.

Creator, OSKI Families Mortgage Payment Tracker

Refund Policy: Digital Products and Professional Services

Our Refund Policy for Digital Products and Professional Services.

Review the refund policy for Digital Products and Professional Services here.

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DIGITAL PRODUCTS REFUND POLICY

Refunds and Cancellations

All sales of digital products offered by OSKI Strategic Solutions are final. Due to the immediate delivery and non‑returnable nature of digital files, no refunds, exchanges, or cancellations will be issued once a purchase has been completed.

Non‑Returnable Nature of Digital Goods

Upon purchase, the Client receives instant access to downloadable materials. As digital products cannot be returned, OSKI Strategic Solutions does not provide refunds under any circumstances, including but not limited to accidental purchases, dissatisfaction with content, or failure to review product details prior to purchase.

Product Review and Responsibility

Clients are responsible for reviewing all product descriptions, previews, and details before completing a purchase. By proceeding with payment, the Client acknowledges and agrees to the terms of this Refund Policy.

Access Issues

If the Client experiences technical difficulties accessing purchased digital files, OSKI Strategic Solutions will provide reasonable assistance to ensure access to the materials. Such assistance does not constitute grounds for a refund.

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PROFESSIONAL SERVICES REFUND POLICY

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Due to the customized nature of professional services, strategic advisory, facilitation, training, and project-based work, fees for services already delivered are non-refundable. If a project is cancelled before work begins, OSKI Strategic Solutions may, at its discretion, provide a full or partial refund based on costs incurred and work completed to date.

Any concerns regarding services provided should be discussed directly with OSKI Strategic Solutions so that a fair and reasonable resolution can be explored.