Mortgage tools
Calculators to put numbers on your situation, plus the case studies and guides to read the results.
Mortgage calculators
Mortgage payment
See what you’ll pay each month based on the balance, rate, and amortization.
Purchase capacity
A first ceiling, calculated the way a lender would using GDS/TDS ratios.
Minimum down payment
The minimum required for the price, and what it changes about the amount financed.
Mortgage loan insurance
What the insurance premium adds to your loan when you put down less than 20%.
Purchase costs
The costs to plan for beyond the down payment, transfer duty included.
Renewal comparison
Your current payment next to the offer you received, on the same basis.
Refinancing potential
How much you could pull from your property, before fees and the penalty.
Debt consolidation
Your current payments against a consolidated scenario, duration and interest included.
Mortgage penalty
A ballpark of what breaking your mortgage before maturity costs, three months’ interest or the rate differential.
Understand
Worked situations and short answers, so you can see what applies to you.
Prepare
The steps, the documents, and the contract wording — before your meeting.
Our references
Where the figures come from, what the calculations assume, and where they stop.