Calculators

Quick estimates (mobile‑friendly)

These tools provide estimates for general guidance only and are not a commitment to lend.

Mortgage payment

Mortgage amount (CAD)

Interest rate (%)

Amortization (years)

Payment frequency

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Estimate only. Taxes/insurance not included.

Affordability (“How much can I buy?”)

Household income (annual CAD)

Monthly debts (CAD)

Down payment (CAD)

Rate used for estimate (%)

Amortization (years)

Property tax (monthly CAD)

Heating (monthly CAD)

Condo fees (monthly CAD)

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Estimate uses conservative ratios (ballpark). Final numbers depend on lender and full file review.

Refinance / debt consolidation estimate

Home value (CAD)

Current mortgage balance (CAD)

Other debts to consolidate (CAD)

Max LTV used (%)

Rate for estimate (%)

Amortization (years)

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Estimate only. Does not include fees/penalties.

Renewal comparison / savings estimate

Mortgage balance (CAD)

Remaining amortization (years)

Current/offer rate (%)

Comparison rate (%)

Compare over term (years)

Tip: Use this to pressure‑test your renewal offer.

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Land Transfer Tax (Ontario + Toronto toggle)

Purchase price (CAD)

Toronto property?

Include Toronto municipal LTT

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Estimate only and does not include rebates or special rules.

Trigger‑rate calculator (variable)

Mortgage amount (CAD)

Current monthly payment (CAD)

Amortization used (years)

Approximate: assumes payment becomes interest‑only.

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Rent vs Buy

Home price (CAD)

Down payment (CAD)

Rate for estimate (%)

Amortization (years)

Monthly rent (CAD)

Comparison horizon

Home price growth (%/yr)

Rent growth (%/yr)

Property tax (monthly CAD)

Maintenance (monthly CAD)

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Simplified model for guidance only.