Nine free calculators covering home buying, private & equity lending, and refinancing — all figures are illustrative estimates, not a formal quote.
Sized for private & B-Lender scenarios — interest-only is the common structure. For a standard bank-style purchase, use the Payment Calculator under “Buying a Home” instead.
This checks whether a file passes conventional qualifying ratios — a different question from the Affordability calculator, which estimates a comfortable budget. B-Lender and private financing are typically more flexible than the thresholds below.
Standard bank-style purchase math, including default (CMHC) insurance when your down payment is under 20% — useful for an agent or client double-checking their own numbers.
Solves for the maximum home price your income supports under the mortgage stress test — the comfort/budget question, not the qualifying-ratio question.
First-time buyer rebates: up to $4,000 provincial, plus up to $4,475 municipal in Toronto (stacks with the provincial rebate). Figures current as of August 2026 — Toronto's municipal brackets last changed April 1, 2026.
Lenders calculate penalties differently, and this simplified model won't match every lender's exact formula — treat it as a ballpark, then confirm the real number with your current lender.
Estimates are illustrative only and do not constitute a mortgage offer or commitment. Actual rates, terms, penalties, and tax figures depend on underwriting, your specific lender, and confirmation from a lawyer or the relevant government authority.
