Toronto Mortgage Calculators
Six calculators built for Ontario rules — semi-annual compounding, federal stress test, Toronto MLTT, and the current CMHC premium schedule. Email any breakdown to yourself with one click.
Mortgage Payment Calculator
Monthly, bi-weekly, or accelerated bi-weekly payment with CMHC insurance and total interest.
Open calculator →Affordability Calculator
Maximum Toronto purchase price using GDS/TDS caps and the federal stress test.
Open calculator →Land Transfer Tax Calculator
Ontario + Toronto MLTT with the first-time buyer rebate and luxury tier surcharge.
Open calculator →Refinance Savings Calculator
Net 5-year savings after the break penalty, legal costs, and optional cash-out.
Open calculator →Renewal Comparison Calculator
What your lender's renewal letter really costs versus a competing market rate.
Open calculator →CMHC Insurance Estimator
Default-insurance premium based on down payment, price, and amortization.
Open calculator →Calculator results are estimates only and are not a mortgage approval, pre-approval, or lending commitment. A licensed mortgage professional must review your full situation before any lending decision.