Mortgage Qualify

Calculators

Every calculator, in one place.

Eleven calculators, in one place. Every figure is an estimate for planning purposes and takes about a minute to fill in.

Every stage of the math

Eleven calculators, one consistent set of numbers.

Buying a home

01

Affordability & Stress Test

How much you can afford to buy — or whether a refinance qualifies — stress test, CMHC and closing costs included.

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02

Payment Comparison

Compare up to three mortgage scenarios side by side, with full amortization schedules.

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03

CMHC Insurance

Estimate your mortgage default insurance premium based on your down payment.

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04

Land Transfer Tax

Provincial and municipal land transfer tax, including first-time buyer rebates.

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05

Closing Costs

A full estimate of legal fees, title insurance, inspection and other closing costs.

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06

Rent vs. Buy

Compare the long-term net worth impact of buying versus renting and investing the difference.

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Existing homeowners

01

Prepayment

See how extra payments or a lump sum shorten your mortgage and save on interest.

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02

HELOC

Estimate your available home equity line of credit under Canadian rules.

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03

Renewal Comparison

Compare renewal offers from up to three lenders side by side.

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Investing & credit

01

Rental Property Investment

Cash flow, cap rate and cash-on-cash return for a rental property, in one calculator.

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02

Credit Score Simulator

An educational illustration of how common factors move a score — not a real score predictor.

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