Mortgage Calculators
Five free tools to estimate payments, affordability, closing costs, and more. For exact numbers tailored to you, book a free assessment.
Mortgage Payment Calculator
Estimate your payment at any home price, rate, or payment frequency.
Affordability Calculator
Estimate the maximum mortgage you could qualify for.
Based on a 39% GDS ratio guideline. Your actual qualifying amount depends on the full lender stress test.
Estimated Maximum Mortgage
Get Pre-Approved
$485,000
Ontario Land Transfer Tax Calculator
Estimate provincial (and Toronto municipal, if applicable) land transfer tax.
Estimate only — based on published Ontario/Toronto marginal LTT rates. First-time buyer rebates: up to $4,000 (Ontario), up to $4,475 (Toronto).
CMHC Mortgage Insurance Calculator
Estimate your default insurance premium for down payments under 20%.
Homes priced $1,500,000+ are not eligible for mortgage insurance and require minimum 20% down. Premium is typically added to your mortgage principal.
Rent vs. Buy Calculator
Compare your monthly cost to rent against your estimated monthly cost to own.
Ownership cost estimate includes mortgage payment plus a rough 1% of home value/year for property tax and maintenance. Doesn't include equity growth or appreciation.
Want your exact numbers?
These calculators are estimates. Monica will give you real numbers based on your actual situation — free.