Mortgage Calculators

These calculators provide estimates only. Actual payments and qualification amounts can differ by lender and your situation.

Mortgage Payment

Estimate your payment based on loan amount, rate, and amortization.

Mortgage amount (CAD) Interest rate (% annual) Amortization (years) Payment frequency

Estimated payment

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Affordability (Estimate)

Estimate a maximum mortgage amount using simplified GDS/TDS limits.

Household income (annual CAD) Other monthly debts (CAD) Monthly property tax (CAD) Monthly heating (CAD) Monthly condo fees (CAD) (if any)

Qualifying interest rate (% annual) Amortization (years) GDS limit (%) TDS limit (%)

Estimated maximum mortgage amount

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Refinance Break‑Even (Estimate)

Estimate how long it may take for payment savings to cover refinance costs.

Current balance (CAD) Current rate (% annual) Remaining amortization (years)

New rate (% annual) New amortization (years) Estimated closing costs (CAD)

Current payment	—
New payment	—
Monthly savings	—
Break‑even	—

Important Notes

These tools are estimates and not a commitment to lend. Lenders may use different qualifying rates, ratios, and cost assumptions. For an accurate review, send a message or book a call.

Calculator formulas: Payment uses the standard amortization formula based on the selected payment frequency. Affordability uses simplified GDS/TDS caps with monthly costs (tax, heat, condo fees) and other monthly debts. Refinance break‑even compares estimated monthly payments and divides estimated costs by monthly savings.