Calculator
Mortgage payment calculator
Type the price of a new home, your down payment and the rate your lender quoted. We show the payment, any default insurance, and the payment at the stress-test rate lenders use to qualify you.
The minimum depends on the price.
Use the rate your lender quoted — we don’t publish rates.
Enter the purchase price.
Estimate only — not advice or an offer of credit. Canadian fixed-rate maths (interest compounded semi-annually). Insurance uses CMHC’s published premium rates; lenders may add surcharges (for example on 30-year insured amortizations) and provincial tax on the premium isn’t included. Insured mortgages need a price under $1.5M; a 30-year insured amortization is for first-time buyers and new builds. Rules as of 2026-10-13.