Five free tools built for how mortgages actually work in Canada — semi-annual compounding, the federal stress test, GDS/TDS limits, CMHC insurance, and Ontario + Toronto land transfer tax. Enter your own rate; nothing here scrapes live lender rates.
How much home you can afford on your salary — GDS/TDS limits, qualified at the stress-test rate like a lender does.
Open calculator →Your exact payment with Canadian semi-annual compounding, all frequencies, CMHC insurance and a full amortization schedule.
Open calculator →Your qualifying rate, the payment you're actually tested on, and a clear pass/fail under the federal B-20 rules.
Open calculator →Rent or buy in the GTA? The true net cost of each — land transfer tax and CMHC included — over your time horizon.
Open calculator →Ontario + Toronto land transfer tax, first-time buyer rebates, minimum down payment and CMHC premium in one estimate.
Open calculator →Every tool uses the rules Canadian lenders actually use — the federal stress test, GDS 39% / TDS 44% limits, CMHC insurance premiums, and Ontario and Toronto land transfer tax with first-time buyer rebates. Enter your own rate; nothing here scrapes live lender rates, and nothing is collected or signed up for.