Maximum Mortgage Calculator
Find the maximum mortgage you qualify for based on your household income, existing debts, and stress-test rate. GDS & TDS ratios calculated in real time.
Purchase Calculator
Estimate your full purchase cost — mortgage payment, CMHC insurance premium, Ontario land transfer tax, and all closing costs in one place.
Mortgage Calculator
Compare two mortgage scenarios side-by-side — different rates, amortization periods, or extra payment strategies. See full amortization schedules.
Debt Consolidation Calculator
See how consolidating credit cards, car loans, and lines of credit into your mortgage can reduce your monthly outflows and total interest paid.
Closing Cost Calculator
Calculate land transfer tax (Ontario + Toronto), legal fees, title insurance, and other one-time closing costs before you make an offer.
Amortization Comparison
Compare 15, 20, and 25-year amortization schedules. Instantly see how a shorter amortization saves tens of thousands in interest over the life of your mortgage.
Know Before You Calculate
Key Rules for Canadian Mortgages
Stress Test Rate (2026)
Canada's mortgage stress test requires you to qualify at the greater of your contract rate + 2%, or 5.25%. Use our maximum mortgage calculator to see how this affects your buying power.
CMHC Insurance Threshold
If your down payment is less than 20% of the purchase price, CMHC mortgage default insurance is required. The premium ranges from 0.6% to 4% of the mortgage amount depending on your down payment percentage.
Land Transfer Tax in Ontario
Ontario charges land transfer tax on all property purchases. Toronto adds a second municipal LTT. First-time buyers can receive a rebate of up to $4,000 (Ontario) and $4,475 (Toronto).
GDS & TDS Ratios Explained
Gross Debt Service (GDS) ratio is your housing costs as a percentage of income — lenders typically cap this at 39%. Total Debt Service (TDS) includes all debt payments and is usually capped at 44%.
Why Our Calculators
Built for Canadian Borrowers
Our tools are built around Canadian lending rules — semi-annual compounding, OSFI stress-test rates, CMHC guidelines, and Ontario land transfer tax tables.
Accurate Results
Canadian semi-annual compounding, OSFI stress test, and CMHC rules baked in.
Instant Calculations
Results update in real time as you adjust inputs — no page reloads.
Private & Secure
All calculations happen in your browser. Nothing is stored or shared.
FSRA Licensed
Tools built by licensed mortgage brokers who work with these numbers every day.