Tools › Mortgage
Renewal countdown
Renewal letters arrive with the lender's convenience rate, not the best one. Know the date, know the number, and shop it 120 days out while a rate hold still covers you.
Your numbers
Email me these numbers
You get this page as a PDF. We get your figures, so if you want to talk, the conversation starts from your actual situation.
Estimates only, for information. Not mortgage, tax or legal advice. Rates, rules and rebates change; confirm every figure with your lender, lawyer and the CRA before you rely on it.
Related tools
Mortgage payment
Payment, total interest and the full schedule, compounded the way Canadian lenders actually do it.
How much can I afford
Your real ceiling, tested at the stress rate with GDS and TDS the way a lender does it.
Down payment and mortgage insurance
Minimum down by price tier, the insurance premium at each tier, and the tax on it you pay in cash.