Mortgage Calculators
Estimate your monthly payment, how much home you can afford, how much a lump sum saves you, and see a full year-by-year breakdown, all free, no sign-up needed.
Monthly Payment Calculator
Your Estimate
Canadian mortgages compound semi-annually by law. Results are estimates, your actual payment depends on your full application and lender terms.
Affordability Calculator
Your Estimate
Uses the OSFI stress test (qualifying at contract rate + 2%, or 5.25% minimum). GDS limit 32%, TDS limit 44%. Results are illustrative, speak with Sean for a real pre-approval.
Prepayment Savings Calculator
See how a lump-sum payment cuts your total interest and takes years off your mortgage.
Your Savings
Assumes the lump sum is applied directly to principal and your monthly payment stays the same. Most Canadian lenders allow 10–20% annual prepayment without penalty, check your mortgage terms.
Amortization Schedule
Summary
| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance |
|---|---|---|---|---|
| Enter your mortgage details above to see the schedule. | ||||
Disclaimer: These calculators are for illustrative and educational purposes only. Results are estimates based on the inputs you provide and standard Canadian mortgage compounding conventions (semi-annual compounding as required by the Interest Act). Actual payments, qualifying amounts, and rates depend on your complete financial profile, lender policies, and prevailing market conditions. CMHC insurance premiums are estimated based on publicly available rates and may not reflect PST applicable in some provinces. This is not financial or mortgage advice. Consult a licensed mortgage agent for a personalized assessment.
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