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All mortgage calculators
Mortgage payment calculatorCalculate your mortgage payment with Canadian semi-annual compounding. Compare monthly, biweekly and accelerat…Mortgage affordability calculatorHow much mortgage can you afford in Canada? Enter income, debts and down payment to see your maximum price usi…Land transfer tax calculatorCalculate land transfer tax for any Canadian province, including first-time buyer rebates. See what you'll pay…Ontario land transfer tax calculatorCalculate Ontario land transfer tax and the first-time buyer refund of up to $4,000. Includes the brackets and…Toronto land transfer tax calculatorToronto buyers pay both Ontario and municipal land transfer tax. Calculate both, including first-time buyer re…CMHC insurance calculatorCalculate your CMHC mortgage default insurance premium by down payment, see the premium rate table and how it'…Mortgage stress test calculatorSee if you pass the mortgage stress test. We calculate your qualifying rate, GDS and TDS so you know your limi…Mortgage amortization calculatorBuild an amortization schedule and compare 25 vs 30-year amortization: payment, total interest and balance at …HELOC calculatorSee how much HELOC you can get (up to 65% of value, 80% combined with your mortgage) and the interest-only pay…Mortgage refinance calculatorWill refinancing save you money? Compare your current mortgage with a refinance, including penalty, legal cost…Mortgage renewal calculatorSee your new payment at renewal, the payment change from your current rate and what each bid saves over the te…Renewal vs refinance calculatorCompare renewing and borrowing separately with refinancing at renewal. See the monthly cost, total interest an…Fixed vs variable calculatorCompare fixed, variable and adjustable mortgages when rates fall, stay flat or rise. See payments and total in…Compare mortgage rates calculatorCompare up to four mortgage rates side by side: payment, interest over the term, balance at renewal, prepaymen…Rate savings calculatorGot a quote? Enter the rate you were offered and a lower bid to see the monthly saving, interest saved over th…Rent vs buy calculatorShould you rent or buy? Compare monthly costs, equity built and invested savings over 5 to 25 years with Canad…Mortgage penalty calculatorEstimate the penalty to break your mortgage: three months' interest or the interest rate differential (IRD), w…Mortgage prepayment calculatorSee how lump-sum prepayments and payment increases cut your total interest and amortization, while staying wit…Closing costs calculatorEstimate closing costs in Canada: land transfer tax, legal fees, title insurance, appraisal, adjustments and m…Down payment calculatorCalculate the minimum down payment for any home price in Canada, the CMHC insurance premium, and how much more…Mortgage qualification calculatorCheck whether you qualify for a mortgage: we calculate your GDS and TDS ratios at the qualifying rate and show…
MBWritten by the MortgageBids.ca editorial team. Last updated October 7, 2026. General information only; your lender confirms terms for your file.
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