Pre-Qualification Calculator
See what you could be pre-qualified for instantly. Built on the Canadian stress test, with no sign-up or app download required.
Open calculator âPayment Calculator
Compare multiple payment scenarios side by side — different rates, amortizations, and frequencies — with the full breakdown over your term.
Open calculator âRefinance & Debt Consolidation
See how refinancing up to 80% of your home's value could consolidate your debts, free up monthly cash flow, and cut your interest costs.
Open calculator âEarly Renewal Savings
Rates dropped? See whether breaking your mortgage early to renew pays off, your penalty, new payment, break-even, and real net savings after the penalty.
Open calculator âMortgage Penalty Calculator
Estimate your prepayment penalty the way your lender actually calculates it, big-bank posted-rate IRD vs. the cheaper contract-rate method.
Open calculator âLand Transfer & Closing Costs
Estimate your land transfer tax and closing costs by province, including first-time buyer rebates, so you know the real cash you need to close.
Open calculator âRent vs Buy
Compare the true long-term cost and net worth of renting versus owning, counting appreciation, equity, and what you could earn investing instead.
Open calculator âPrepayment Calculator
See how much faster you could be mortgage-free. Add a little to each payment or a lump sum and watch the years, and thousands in interest, fall away.
Open calculator âFixed vs Variable
Build your own prime-rate scenario and see whether a fixed or variable mortgage would leave you better off over a five-year term.
Open calculator âMortgage Toolbox App
Down payment, land transfer tax, stress test, closing costs, and side-by-side comparisons, all in one free app. Available in five languages.
Get the free app â