Four calculators built around real Canadian mortgage math—semi-annual compounding, the federal stress test, and Ontario LTT brackets. Use them on your own, or bring the results to your strategy call.
Calculate your monthly, bi-weekly, or accelerated payment for any mortgage amount, rate, and amortization. Uses Canadian semi-annual compounding—the same convention every lender uses.
Open calculator 02How much home you actually qualify for. Models GDS, TDS, and the federal stress test against your income, debts, and down payment. Tells you which ratio is the binding constraint.
Open calculator 03Ontario LTT and (if applicable) Toronto Municipal LTT, with the first-time homebuyer rebate baked in. Updated for 2026 brackets.
Open calculator 04Should you break your mortgage? Models penalty (3-month interest estimate), legal fees, and break-even month so you can decide based on real numbers, not headline rates.
Open calculatorCalculators are a great starting point. A real pre-approval—with a held rate and a written commitment—is the next step.
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