🇨🇦 Canadian Mortgage Calculators 2026
Free mortgage and property calculators built for the Canadian market. OSFI stress test, CMHC insurance thresholds, and current Canadian mortgage rates all included — no sign-up required.
Canada Property Tools
Mortgage Affordability (Canada)
Includes OSFI stress test: qualify at max(contract rate + 2%, 5.25%). See exactly how much you can borrow.
Check Affordability →Mortgage Repayment (Canada)
Monthly payments in CAD, total interest and full amortisation schedule for Canadian mortgages.
Calculate Payments →Cap Rate Calculator
NOI and cap rate for Canadian investment properties. Benchmarks for Toronto, Vancouver, Calgary and more.
Analyse Investment →Rent vs Buy (Canada)
Is it worth buying in Toronto or Vancouver? Find your break-even point and long-term wealth comparison.
Compare Now →| Product | Rate (approx.) |
|---|---|
| 5-year fixed (insured) | 4.75–5.25% |
| 5-year fixed (conventional) | 5.00–5.50% |
| Variable rate | 5.45–5.95% |
| 3-year fixed | 4.90–5.30% |
Bank of Canada policy rate: 2.75% (2026). Best rates via broker.
All federally regulated lenders must qualify borrowers at:
Example: If your rate is 5.00%, you qualify at 7.00%. This reduces maximum borrowing by ~15–20% versus face-rate qualification.
| Down Payment | Premium |
|---|---|
| 5–9.99% | 4.00% |
| 10–14.99% | 3.10% |
| 15–19.99% | 2.80% |
| 20%+ | No CMHC |
Max insured purchase price: $1.5M (2024 Budget change).
Compare Canadian mortgage rates and save thousands
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