Start with the mortgage question you're trying to answer.
Run the numbers for a home purchase, compare mortgage options, or see what refinancing could look like before you make a decision.
Find the Right Tool
Planning to Buy
Start with the numbers behind the purchase.
Work through your down payment, closing costs, income, and debt servicing before you build the rest of the plan.
Purchase Price Estimate
Down Payment Calculator
Enter a purchase price to see the minimum down payment, estimated mortgage default insurance, and mortgage amount.
Additional Purchase Costs
Closing Costs Calculator
Estimate property transfer tax, legal fees, and other costs you may need beyond your down payment.
Qualification Estimate
Income Required Calculator
Enter a home price, down payment, housing costs, and monthly debts to estimate the gross household income you may need to qualify.
Debt Servicing Estimate
GDS & TDS Calculator
Estimate how your gross household income compares with housing costs and other monthly debts used in mortgage qualification.
Savings Timeline
Down Payment Savings Roadmap
Set a savings goal and see how your current savings, monthly contributions, and possible lump sums may affect the time it could take to reach your down payment.
Mortgage Payments & Options
Compare how your mortgage could work.
Compare payments, mortgage structures, and current rate signals before you narrow down your options.
Payment Estimate
Mortgage Payment Calculator
Estimate your mortgage payment and compare monthly, bi-weekly, and accelerated bi-weekly schedules.
Mortgage Comparison
Compare Fixed & Variable Mortgages
Compare payments, estimated interest costs, principal repaid, and remaining balances using the same mortgage details.
Rate Market Update
Mortgage Rate Watch
See the current Bank of Canada rate, 5-year Government of Canada bond yield, fixed-rate pressure, and what those signals may mean for mortgage pricing.
For Homeowners
See what changing your current mortgage could look like.
If you're considering debt consolidation, accessing equity, changing your mortgage structure, or improving monthly cash flow, the Refinance Planner gives you a place to start.
Refinance Planning
Refinance Planner
Compare your current mortgage with a possible refinance and see how the change could affect your payment, monthly cash flow, available equity, and longer-term costs.
When the Calculator Isn't the Whole Answer
Not sure what the numbers mean for your situation?
Mortgage calculators are useful for planning, but they cannot account for every lender guideline or every part of your application. If you want to know what the numbers may mean for you, I can look at the full picture with you.
Ask Kiersten a Question