Mortgage calculators

Simple answers to the big questions — what will it cost, how much can I afford, and what taxes will I pay at closing? Built for Ontario, including Toronto’s municipal land transfer tax.

Your estimated payment
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Mortgage amount—
CMHC insurance—
Monthly equivalent—
Total interest over amortization—
Car loans, credit cards, lines of credit…
You could afford a home around
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Maximum mortgage—
Estimated payment—
Stress-test qualifying rate—
Total land transfer tax
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Ontario LTT—
Toronto municipal LTT—
First-time buyer rebate—

Estimates only — actual amounts depend on qualification and lender terms. Payment uses Canadian semi-annual compounding; CMHC premium added automatically when the down payment is under 20%. Affordability uses GDS 39% / TDS 44% and the federal stress test (contract rate + 2%, min 5.25%).

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Sent to MJ Mortgage · The Mortgage Alliance Company of Canada Inc. (Brokerage # 10530) · 16-8611 Weston Road, Woodbridge, ON L4L 9P1. You can withdraw consent at any time.

Free planning tool

When should you start preparing for your renewal?

Enter your maturity date and see the days remaining, the window to start preparing, the documents to gather and the questions worth asking. No rate quote, no approval — a plan.

Build my renewal plan

Opens the planner. Your result appears on the page — no email address needed to see it.

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