Free Tools

Mortgage Calculators

Run your own numbers before you call. All calculators use Canadian mortgage conventions and provide instant, transparent estimates.

Tools

Six calculators to help you decide

Each tool is purpose-built for a specific private mortgage scenario. No sign-up required.

💳Most Popular

Mortgage Payment

Calculate your monthly payment for amortizing or interest-only mortgages with Canadian semi-annual compounding.

Monthly PaymentTotal InterestAmortizing vs IO
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📊Essential

Loan-to-Value (LTV)

Determine your LTV ratio and see where you fall on the lender risk spectrum — from prime to private.

LTV RatioRisk BandVisual Gauge
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🏠

Equity Take-Out

Find out how much equity you can access from your property given your existing mortgage and target LTV.

Available EquityMax LoanLTV Slider
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🌉

Bridge Loan

Estimate the cost of bridging the gap between buying your new home and selling your current one.

Bridge AmountInterest CostLender Fee
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🧾

Total Borrowing Cost

See the full picture — monthly payments, term interest, lender fees, broker fees, legal and appraisal costs.

All-In CostFeesTerm Analysis
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📐

Debt Service Ratios

Calculate your GDS and TDS ratios to understand how lenders view your borrowing capacity.

GDS RatioTDS RatioIncome Analysis
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This calculator provides estimates only and does not constitute a mortgage offer, pre-approval, or commitment. Actual rates, terms, and eligibility depend on a full review of your application. Consult a licensed mortgage professional for personalized advice.