Calculators
Mortgage Calculators
Find the right calculators for all your mortgage and homebuying needs.
Mortgage Calculator
A mortgage payment calculator helps estimate your monthly mortgage payments, closing costs and overall affordability before buying a home in Canada. By adjusting factors like your home price, down payment, mortgage rate and amortization period, you can compare different borrowing scenarios and understand how they affect your monthly costs.
Rebate Calculator
A rebate calculator helps first-time buyers in Ontario estimate the rebates they may qualify for before purchasing a home. By entering details like your purchase price and buyer status, you can see your potential land transfer tax rebate and new-home HST rebate, giving you a clearer picture of your true upfront costs.
Land Transfer Tax Calculator
A land transfer tax calculator helps estimate the tax you’ll owe when closing on a home in the GTA. By entering your purchase price and location, you can see both your Ontario provincial and Toronto municipal land transfer tax, along with any first-time buyer rebates, so you can budget accurately for closing day.
CMHC Insurance Calculator
A CMHC insurance calculator helps estimate the mortgage default insurance you’ll need when buying a home with less than a 20% down payment in Canada. By adjusting your home price and down payment, you can see how your premium changes and understand how it adds to your total mortgage amount and monthly costs.
Affordability Calculator
An affordability calculator helps estimate how much home you can realistically afford in the GTA market before you start shopping. By adjusting factors like your income, existing debts and down payment, you can find your ideal price range and understand how each affects the monthly payment you’ll be comfortable with.
Mortgage Renewal Calculator
A mortgage renewal calculator helps estimate your new monthly payments when your mortgage term comes up for renewal in Canada. By adjusting factors like your remaining balance, new mortgage rate and amortization period, you can compare renewal offers and understand how a changing interest rate will affect your monthly costs.
Mortgage Refinance Calculator
Refinancing your mortgage can be a smart move as a homeowner—but it isn’t free. The costs involved can sometimes outweigh the savings you’d hope to gain. That’s why it’s essential to know exactly what a refinance will cost before you commit, and a mortgage refinance calculator makes that easy to figure out.