Book a Review

Run the numbers the Canadian way.

Payments use semi-annual compounding like Canadian fixed-rate mortgages, with default insurance, minimum down payment and the federal stress test built in.

White model house resting on a calculator on a deskSemi-annual compounding · CMHC · stress test
Payment calculator

What will it cost each month?

Change any field — results update instantly.

Your purchase

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Example rate — not a quote.

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Estimated payment
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Mortgage incl. insurance—
Down payment—
Default insurance—
Total interest—
Paid off in—
Monthly housing cost—
Remaining balanceInterest paid to date
Affordability & stress test

How much home can you qualify for?

Lenders test your payment at the higher of your rate + 2% or 5.25%, and cap housing costs at 39% (GDS) and total debts at 44% (TDS) of gross income.

Your finances

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Car loans, credit cards, lines of credit.

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Estimated maximum price
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Mortgage amount—
Stress-test rate—
Payment at stress-test rate—
Payment at your rate—
Limited by—
GDS · housing costs—
TDS · all debts—

Insurance premiums, closing costs and lender-specific rules are not included.

Model house on a calculator beside printed financial charts
Reading your estimate

A starting range, not an approval.

Real payments depend on the rate you are offered, the lender’s rules, your credit and the property. Use these numbers to frame the conversation.

  • Try a few rates to see how sensitive the payment is
  • Compare 25 and 30 years on total interest, not just payment
  • Bring your numbers to a review for a lender-by-lender answer
Review My Numbers
Next step

A clear plan before you sign anything.

Buying, renewing or refinancing — a 30-minute review shows your options, the trade-offs and the documents to gather first. No obligation.

Book a Mortgage Review Run The Numbers