Mortgage calculators
Three calculators that answer the questions clients ask me first. Plain math, plain explanations. The numbers here are educational, not approvals — for the accurate version, start an application and I'll come back with real lender numbers.
What will my payment be?
Plug in a purchase price, down payment, rate, and amortization. We'll show your monthly payment, total interest paid over the term, and how the math actually works.
- Mortgage amount
- $0
- CMHC insurance
- $0
- Total loan with insurance
- $0
- Total interest over 25-yr amortization
- $0
How much can I qualify for?
This estimates the maximum mortgage a lender would qualify you for, using the standard 39% / 44% debt-service ratios. Note: the maximum a lender will give you isn't the same as the payment you can comfortably carry — we discuss both before you make an offer.
- Maximum mortgage
- $0
- Maximum monthly payment (PIT+H)
- $0
- GDS used
- 0%
- TDS used
- 0%
Will I pass the stress test?
The stress test isn't the rate you pay — it's the rate you have to prove you could pay if rates spiked. Lenders qualify you at the higher of contract rate + 2% or 5.25%. Plug in your numbers below.
- Qualifying rate
- —
- Qualifying payment
- —
- GDS
- —
- TDS
- —