Mortgage Affordability Calculator
See an estimated home price, mortgage amount, and monthly mortgage payment based on your finances.
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Your estimate includes Canada’s mortgage qualification rules. Actual lender policies can vary.
Down Payment Calculator
Estimate the minimum down payment under current Canadian rules and compare it with your savings.
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Homes priced at $1.5 million or more require at least 20% down. A lender may require more based on the property and application.
Mortgage Refinance Calculator
Estimate how much equity may be available when refinancing your home.
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Many conventional refinances are limited to 80% of the appraised property value. The lender’s appraisal and policy control the final amount.
Mortgage Penalty Calculator
Compare a basic three-month-interest estimate with a simplified interest rate differential.
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Fixed-rate penalties are often the greater of three months’ interest or an interest rate differential. Variable-rate penalties are commonly three months’ interest.
Ontario Closing Cost Calculator
Most buyers do not know exact legal, title insurance, appraisal, or adjustment costs before closing. Enter the basic property details and this calculator will estimate them for you.
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The calculator uses practical estimates for legal fees, title insurance, inspection, appraisal,
and closing adjustments. Your lawyer and lender will confirm the final amounts.
Mortgage Default Insurance Calculator
Estimate the premium on a high-ratio owner-occupied mortgage.
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Insured purchases generally require a purchase price below $1.5 million and less than 20% down. Eligibility rules apply.
Ontario Land Transfer Tax Calculator
Estimates Ontario provincial land transfer tax. Toronto municipal tax is not included.
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