Seven calculators. Real Canadian math.
Semi-annual compounding, the stress test, default insurance and Ontario land transfer tax, all built in. Play with the numbers, then let Mitch turn them into an actual approval.
Mortgage payment calculator
See your payment at any price, down payment and amortization, with default insurance and land transfer tax built in.
- Mortgage amount
- Default insurance (added)
- Total interest over amortization
- Ontario land transfer tax
Estimate only, using Canadian semi-annual compounding. Example rates are for math, not an offer. Your actual rate and APR depend on your approval.
How much house can I afford?
Uses the same debt-service ratios and stress test lenders use, so the number is realistic.
- Mortgage amount
- Qualifying (stress test) rate
- Amortization used
- Payment at example rate
Estimate only, using Canadian semi-annual compounding. Example rates are for math, not an offer. Your actual rate and APR depend on your approval.
Debt consolidation calculator
Add up your cards and loans and see one new payment next to what you pay today.
- Payments today (mortgage + debts)
- One new mortgage payment
- Debt paid off
- Freed up per year
- New loan-to-value
Estimate only, using Canadian semi-annual compounding. Example rates are for math, not an offer. Your actual rate and APR depend on your approval.
Refinance calculator
Compare your payment today with a refinance, including cash out and any penalty.
- Payment today
- Change per month
- New mortgage balance
- Max equity available (80%)
- 3 months' interest, rough penalty guide
Estimate only, using Canadian semi-annual compounding. Example rates are for math, not an offer. Your actual rate and APR depend on your approval.
Renewal countdown
Know when to start shopping and what a lower rate is worth over your term.
- Start shopping by
- Payment at renewal-letter rate
- Payment at the lower rate
- Difference per month
- Saved over the term
Estimate only, using Canadian semi-annual compounding. Example rates are for math, not an offer. Your actual rate and APR depend on your approval.
Ontario land transfer tax calculator
Provincial and Toronto tax, with first-time buyer rebates.
- Ontario land transfer tax
- Toronto municipal LTT
- First-time buyer rebates
Estimate only, using Canadian semi-annual compounding. Example rates are for math, not an offer. Your actual rate and APR depend on your approval.
Mortgage default insurance calculator
What insurance costs when you put down less than 20%.
- Premium rate
- Total insured mortgage
- Ontario PST on premium (due at closing)
Estimate only, using Canadian semi-annual compounding. Example rates are for math, not an offer. Your actual rate and APR depend on your approval.
Calculators are estimates for illustration only and aren't a quote or an offer. Qualifying uses GDS 39% and TDS 44% with the greater of your rate plus 2% or 5.25%. Default insurance premiums use published CMHC rates. Land transfer tax uses Ontario rates and City of Toronto rates (including the higher rates on homes over $3 million in effect since April 1, 2026) and maximum first-time buyer rebates of $4,000 (Ontario) and $4,475 (Toronto). Confirm all figures with your lawyer and lender.
Like the numbers? Make them real.
No credit check. No obligation. Then book a free call with Mitch.