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Mortgage Calculators


Mortgage calculators allow you to test different variables and make informed financing decisions. Our calculators take into account the total cost of home ownership, are easy to use and give you the information you need.

Mortgage Payment
Calculator

Mortgage payment calculator

Test different scenarious to calculate your potential monthly mortgage payments.

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Affordability
Calculator

Mortgage affordability calculator

What is the maximum mortgage loan amount you can afford to borrow and repay?

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CMHC Insurance
Calculator

CMHC insurance

Compare CMHC premium rates across various down payment scenarios.

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Land Transfer
Tax Calculator

Land transfer tax

Calculate your provincial land transfer taxes and determine possible rebates.

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Mortgage Refinance
Calculator

Refinance calculator

Determine the costs and benefits of refinancing your mortgage.

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Mortgage Penalty
Calculator

Penalty calculator

Calculate what the penalty will be to break your mortgage early.

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Debt Consolidation
Calculator

Debt consolidation calculator

Determine your savings by combining high interest debt into a loan backed by your home.

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Maximum Equity
Through Refinance

Maximum Equity Calculator

How much home equity can you access through a mortgage refinance?

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Mortgage Payment Calculator

Calculate how your mortgage payments will fluctuate under different down payment scenarios, and with various mortgage rates and amortization periods. Use our mortgage rate selector to find the best mortgage rate on the market today.

Affordability Calculator

Determine how much you can afford to borrow from a lender for a mortgage, by inputting your income and monthly expenses, as well as the funds you have available for a down payment and your closing costs. Our calculator below will show you the maximum purchase price you can afford.

CMHC Insurance Calculator

Mortgage default insurance, otherwise known as CMHC insurance, is mandatory for Canadians with high-ratio mortgages - those with down payments between 5% and 19.99%. It is calculated as a percentage and added to your mortgage loan.

Land Transfer Tax Calculator

Land transfer tax (LTT) varies from province-to-province, and an additional municipal land transfer tax is levied by the City of Toronto. However, first-time homebuyers in Ontario and British Columbia may be eligible for a full or partial refund of the tax. Use our LTT calculator to determine how much you will have to pay with your next home purchase.

Mortgage Refinance Calculator

There are three reasons you might refinance your mortgage. Determine if one of those reasons applies to you, then outweigh the benefits vs. the potential costs. It's not always cheap upfront, but refinancing your mortgage may be able to help you long-term.

Mortgage Penalty Calculator

If you break your mortgage early, you will have to pay your lender a penalty fee called a prepayment penalty. The amount you pay depends on a number of things, including the day you signed your original contract, the term, your existing mortgage balance, as well as your rate type and rate.

Debt Consolidation Calculator

Consolidating high interest debt back into your mortgage loan through a refinance gives you the opportunity to potentially save thousands of dollars on interest; you would also only have one payment to make each month. Use the calculator to find out if a refinance will actually save you money.

Max. Equity Through Refinance Calculator

Taking equity out of your home through a refinance gives you the option to borrow money at a low interest rate. You may want to access equity to purchase a second home, pay off some other debt or reinvest it elsewhere. Use our calculator to determine how much equity you can access through a refinance.