Built for Canada — semi-annual compounding, your payment frequency, taxes, condo fees and heat included. Adjust any block and watch your numbers update live.
-Good to know
How Canadian mortgage math works
Semi-annual compounding
Unlike the US, Canadian fixed mortgages compound twice per year — this calculator reflects that, so your estimate is realistic.
Accelerated payments
Switching to accelerated bi-weekly adds one extra monthly payment a year — and can shave years off your amortization.
The stress test
Lenders qualify you at the higher of your rate +2% or 5.25%. We’ll confirm the figure that actually applies to you.
— Numbers look good?
Turn an estimate into a real approval.
We’ll confirm your actual rate and payment in writing — and shop 50+ lenders to beat it if we can.
