Canadian Mortgage Calculator

Purchase

Buying a home

See your real payment, CMHC costs, land transfer tax, and total upfront cash needed. Know the full picture before you make an offer.

Renewal

Term ending soon

Your lender's renewal offer is rarely their best. Compare rates, see your payment change, and know that you can now switch lenders at renewal without re-qualifying.

Refinance

Access equity or lower your rate

Access your home equity, lower your rate, or consolidate debt. Run the numbers including break penalty costs before making any decisions.