Canadian mortgage tools, built to be trusted
Eleven calculators, real Canadian rules, and a learning centre that explains the "why" — so every offer you make, and everything you sign, is something you actually understand.
Estimated monthly payment · 25-yr amortization
$2,962
Prime rate
4.45%
1-year fixed
5.49%
3-year fixed
6.05%
5-year fixed
6.09%
These are official posted rates — typically higher than what a lender will actually offer after negotiation, so use them as a general reference point, not a quote. Source: Bank of Canada, published weekly.
Every stage of the math
How much you can afford to buy — or whether a refinance qualifies — stress test, CMHC and closing costs included.
Compare up to three mortgage scenarios side by side, with full amortization schedules.
Compare the long-term net worth impact of buying versus renting and investing the difference.
Cash flow, cap rate and cash-on-cash return for a rental property, in one calculator.
An educational illustration of how common factors move a score — not a real score predictor.
Learning centre
The real trade-off isn't rate — it's how much payment uncertainty you can absorb over your term.
7 min read
Every insured and uninsured mortgage in Canada is qualified at a higher rate than you'll actually pay. Here's why, and how to calculate it yourself.
6 min read
A practical order of operations: credit, down payment, pre-approval, and the programs designed specifically for first-time buyers.
9 min read
Track every calculation across sessions, revisit them from any device, and pick up your mortgage planning right where you left off.