Free Mortgage Calculators

Run the numbers yourself — no signup. When you want a licensed broker to confirm them and get your real rate, you're one tap away.

💳 Mortgage Payment

🏡 Affordability

🛡️ Stress Test

📋 CMHC Insurance

📜 Land Transfer Tax

🧾 Closing Costs

Mortgage Payment

Home price ($)

Down payment ($)

Rate (%)

Amortization (yrs)

Frequency

Indicative only. Excludes property tax, insurance and CMHC premium. Confirm with a licensed broker.

Household income ($/yr)

Monthly debts ($)

Down payment ($)

Rate (%)

Property tax ($/mo)

Heating ($/mo)

Uses GDS 39% / TDS 44% and the stress-test qualifying rate (greater of rate + 2% or 5.25%). Estimate only.

Contract rate (%)

Mortgage amount ($)

Amortization (yrs)

Federal stress test: you must qualify at the greater of your rate + 2% or 5.25%.

Home price ($)

Down payment ($)

Premiums: 4.00% (5–9.99% down), 3.10% (10–14.99%), 2.80% (15–19.99%), none at 20%+. Not available over $1M.

Purchase price ($)

Province

Toronto (adds municipal LTT)

First-time home buyer

Estimate. Rebates: ON up to $4,000; Toronto up to $4,475; BC FTB exemption up to $500k. Alberta has no LTT (small registration fees).

Purchase price ($)

Province

Toronto

Rough estimate of cash needed to close (excludes down payment). Legal, title, inspection and appraisal are typical averages.