Tools

Mortgage Calculators

Run the numbers on your own — or bring the results to your call and we’ll walk through them together.

Affordability

How much home can you qualify for based on your income, existing debts, and down payment? This uses the federal stress test.

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Car loans, student debt, credit cards, etc.
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Mortgage Payment

Calculate your regular mortgage payment. CMHC insurance is applied automatically if your down payment is under 20%.

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Min. 5% · CMHC applies below 20%
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Mortgage Penalty

Thinking of breaking your mortgage early? Estimate what it would cost before you decide. The actual amount depends on your lender — contact us for the exact number.

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mo
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Leave blank to see 3-month interest only

Home Equity

How much equity do you have available? See your current position and how much HELOC room you might have at an 80% combined loan-to-value.

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CMHC Insurance Premium

Putting down less than 20%? Calculate your CMHC mortgage insurance premium and the Ontario PST payable at closing.

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Must be under $1.5M to qualify for CMHC
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Min. 5% · No premium required at 20%+

Want help reading the numbers?

Book a Discovery Call and we’ll walk through any result with you — in plain language, no obligation.

Book a Discovery Call