Mortgage Tools & Calculators
Interactive tools to help you plan your home purchase and understand your options
Estimate Payments, Then Optimize Strategy
Online calculators provide a snapshot, but they don't tell the whole story. Use this tool for an estimate, then let's structure a mortgage that lowers your effective cost of borrowing.
Mortgage Payment Calculator
Estimated Monthly Payment
$0.00
Total Interest Paid
$0.00
Total Repayment
$0.00
Home Affordability Calculator
Determine a baseline for your purchase power. Keep in mind: sophisticated lenders may offer programs that extend this limit significantly.
Home Affordability Calculator
Maximum Home Price
$0
Maximum Monthly Payment
$0
Debt Service Ratios
Additional Costs to Consider
- • Property taxes: $0/month
- • Home insurance: $150-300/month
- • Utilities: $200-400/month
- • Maintenance: 1-3% of home value/year
Note: This calculator provides estimates based on standard lending criteria. Actual qualification depends on credit score, employment history, and lender policies. Contact me for a personalized pre-approval assessment.
Current Mortgage Rates
Competitive rates from Canada's top lenders
Last Updated: December 10, 2025
5-Year Fixed
Most popular choice
3-Year Fixed
Short-term stability
Variable Rate
Flexibility with savings
Don't Gamble with Market Volatility
Rates fluctuate daily based on bond yields and economic data. A pre-approval locks in today's best rate for 120 days, protecting your buying power while you shop.
Secure Your Rate Hold Now*Rates shown are for qualified borrowers (credit 680+). Contact us for a personalized quote.
Additional Resources
Prepayment Calculator
See how extra payments can save you thousands in interest and years off your mortgage.
Refinancing Calculator
Calculate if refinancing makes sense by comparing costs versus potential savings.
Rent vs Buy Calculator
Compare the long-term costs of renting versus buying to make the best decision.
Important Information
Calculator Accuracy
These calculators provide estimates based on the information you enter. Actual mortgage terms, rates, and qualification criteria may vary based on your credit score, employment history, and lender policies.
Professional Advice
While these tools are helpful for planning, they don't replace professional mortgage advice. Contact me for personalized guidance based on your specific situation and current market conditions.
Don't Just Calculate. Strategize.
Algorithms can't predict market shifts or negotiate exceptions. Get a real human strategy that adapts to your life goals.