These use proper Canadian math — semi-annual compounding, the federal stress test, CMHC tiers and Ontario land transfer tax. They're estimates to help you think clearly, not approvals. When you want the real picture, we'll talk.
What your regular payment looks like at a given rate and amortization.
Roughly what you can borrow, using lender GDS/TDS limits and the federal stress test.
Down payment rules, CMHC insurance, and Ontario land transfer tax for a given price.
What switching at renewal could save versus signing your lender's offer.
Whether a specific purchase fits within lender GDS/TDS limits at the stress-test rate.
The cash you'll need beyond the down payment to actually close in Ontario.
How much equity you can access (to 80% of value) and the new payment.
Put two rate/term options side by side over a period you choose.
An estimate of what breaking your mortgage early might cost.
First Home Savings Account — growth and the tax refund from contributing.
These numbers are a starting point. The right structure depends on details a form can't capture — let's talk through yours.
All calculators on this page provide estimates for general information only. They do not constitute a mortgage pre-approval, commitment, quote, or guarantee of any rate, product, or amount. Results rely on the figures you enter and simplified assumptions, and do not reflect every lender rule, fee, or your specific financial circumstances. Calculations use Canadian semi-annual compounding for fixed rates, the federal stress test (the greater of your contract rate plus 2% or 5.25%), standard CMHC premium tiers, and Ontario land transfer tax rates and first-time buyer rebate current as of 2026. Actual figures are subject to lender qualification and a full review. Michael Gianopoulos is a licensed FSRA Mortgage Agent (Level 1) operating under BRX Mortgage.