Mortgage calculators
Pick the question you're trying to answer. Each tool runs in your browser, shows the formula it uses, and links to the official source for every rate.
Buying a home
Ontario land transfer tax
Provincial tax, Toronto MLTT with the April 2026 luxury rates, and first-time buyer refunds.
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.
Stress test and qualifying
Your qualifying rate, GDS and TDS against the 39% and 44% limits, and the largest mortgage that fits.
Payments
Mortgage payment
Canadian semi-annual compounding, accelerated payments and a full amortization table.
Renewing or breaking a mortgage
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.
Comparing two offers
Before you pick a lender, read how to compare mortgage rates and find the best deal. It shows how the penalty method and prepayment terms can outweigh a lower rate.
What these tools don't do
They don't quote rates, pre-approve you or tell you which mortgage to pick. Those need a licensed mortgage agent, a broker or a lender who knows your full situation. Use the numbers here to check what you're told and to ask better questions.
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