Run the numbers before you commit.
Free tools to estimate payments, affordability, taxes, penalties, and investment returns. Estimates only — for a real quote against your file, talk to a broker.
12 calculators, one place.
Whether you are buying your first home, weighing a refinance, planning a renewal, or sizing up an investment property, these tools give you a fast, honest estimate. Each one explains the jargon in plain language, so you understand not just the number but what drives it. They are grouped below by what you are trying to do.
Buying
Payment Calculator
Estimate monthly mortgage payment, interest cost, and amortization shape.
Open calculator →Affordability Calculator
Maximum purchase price based on income, down payment, and existing debts.
Open calculator →Rent vs. Buy Calculator
Compare the true cost of renting against buying over your time horizon.
Open calculator →Income Required Calculator
The household income needed to qualify for a given purchase price.
Open calculator →Land Transfer Tax Calculator
Ontario provincial + Toronto municipal LTT with FTHB rebates.
Open calculator →CMHC Premium Calculator
Default insurance premium for high-ratio mortgages under 20% down.
Open calculator →Refinance & Renewal
Renewal Shock Calculator
Payment impact when a low-rate term renews into today's market rate.
Open calculator →Blended Rate Calculator
Weighted average cost of stacked debt + refinance scenario comparison.
Open calculator →Mortgage Penalty Calculator
Estimated prepayment penalty — IRD or three-month interest.
Open calculator →Effective Rate (APR) Calculator
True cost of borrowing — stated rate plus all upfront fees.
Open calculator →All calculators provide estimates for illustration only and do not constitute a mortgage offer, approval, or financial advice. Actual figures depend on your full application and the lender. Contact GTA Lenders for a personalized assessment.