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 →Payment Calculator
Estimate your mortgage payment by price, rate, and amortization. Automatically factors in default insurance when your down payment is under 20%.
Open calculator →Refinance & 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 →Early 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 →Mortgage 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 →Land 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 →Rent 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 →Prepayment 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 →Fixed 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 →Mortgage 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 →