Calculators
Five calculators, built for Ontario rules specifically.
Canadian mortgages compound semi-annually, Ontario taxes property transfers in brackets, and Toronto adds a second tax on top. Most calculators online account for none of that.
Mortgage payment calculator
Set the price, the down payment and the rate. This uses Canadian semi-annual compounding, and it models accelerated payment schedules properly rather than pretending they change nothing.
Open calculator →Land transfer tax calculator
Usually the largest single cost on closing day after your down payment — and roughly double inside the City of Toronto, because a municipal tax applies on top of the provincial one.
Open calculator →Affordability calculator
Not what you think you can afford — what passes the two debt-service ratios, at the stress-tested rate rather than the rate you will pay.
Open calculator →CMHC insurance calculator
Mortgage default insurance protects the lender, not you. It is added to your mortgage rather than paid at closing, so you pay interest on it for as long as you hold the loan.
Open calculator →Stress test calculator
Lenders qualify you at the greater of your rate plus two percent, or 5.25% — whichever is higher. Here is what that does to the payment you must satisfy.
Open calculator →
Every rate, bracket and threshold used by these calculators was verified against its primary source in July 2026 — CMHC, OSFI, the Ontario Ministry of Finance and the City of Toronto. Each calculator links to the sources it relies on. Results are estimates, not approvals or commitments to lend.