🏠 Canadian Mortgage Calculator

Monthly payments · CMHC · Stress test · Land transfer tax · All provinces

✅ No login · ✅ No data stored · 🇨🇦 Built for Canada

🏡 Property Details

Purchase Price

$

Down Payment

$

Interest Rate

%

Amortization

Payment Type

Province / Territory

First Time Buyer?

Annual Property Tax

$

Monthly Heating

$

Monthly Condo Fees

$

New Build?

Extra Payment (Monthly)

$

Enter your numbers to see your mortgage breakdown

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All calculations are estimates only. Results do not constitute financial advice.

How it works

This calculator follows Canadian mortgage rules, including CMHC/Sagen insurance and stress test requirements. It accounts for CMHC tiered insurance rates, the federal stress test (contract rate + 2% or 5.25%), and provincial Land Transfer Tax estimates.

Insured Mortgages: Required if down payment is less than 20%.
Amortization: Maximum 25 years for insured mortgages, up to 30 years for uninsured (20%+ down) or specific new-build scenarios.