Calculators
Ontario land transfer tax
Provincial tax, Toronto MLTT with the April 2026 luxury rates, and first-time buyer refunds.
Renew or switch
Compare your renewal offer with another lender, after switching costs. Includes a straight-switch check.
Prepayment penalty
Three months' interest vs the IRD, with both ways lenders work out the comparison rate.
Stress test and qualifying
Your qualifying rate, GDS and TDS against the 39% and 44% limits, and the largest mortgage that fits.
CMHC insurance
Premium by down payment, the 30-year surcharge, the $1.5M cap and the 8% Ontario tax at closing.
Ontario closing costs
Taxes worked out for you, plus your own quotes for lawyer, title insurance and inspection.
Mortgage payment
Canadian semi-annual compounding, accelerated payments and a full amortization table.
Renewing this year?
If your term ends in 2026, you have more options than your renewal letter suggests. Most borrowers who move to a new lender at renewal no longer have to pass the stress test, as long as they keep the same amortization and loan amount. Our 2026 renewal guide covers when to start shopping, what switching costs, and what to do if you want out before the term ends.
Comparing offers?
A lower rate doesn't always mean a cheaper mortgage. Our guide on how to compare mortgage rates covers posted vs discounted rates, the APR on your disclosure statement, penalty methods and portability, with a worked example.
Why use this site
- Ontario detail. Toronto's new municipal land transfer tax rates for homes over $3 million, the 8% Ontario sales tax on CMHC premiums, and both first-time buyer refunds.
- Canadian math. Fixed rates compound twice a year here. Our payment math does the same.
- Sources you can check. Each calculator links to Ontario.ca, the City of Toronto, CMHC, OSFI or the federal government, with the date we last checked.
- No sales pitch. We're not a broker or a lender, and we don't ask for your contact details. What you type stays in your browser.
About the name: the domain is older than this site. We don't publish lender rate tables. We give you the math to compare the rates you're offered.
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