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🏠 Canada Mortgage Calculators

Calculate monthly mortgage payments, CMHC insurance, and test your qualification under 2025 Canadian regulations.

19 Cities
8 Provinces
2 Languages

CMHC Insurance Explained

Insurance Rates

  • • 5-9.99% down: 4.00%
  • • 10-14.99% down: 3.10%
  • • 15-19.99% down: 2.80%
  • • 20%+ down: None

2025 Stress Test

You must qualify at the higher of:

  • Contract rate + 2%
  • • 5.25% minimum

Select Your City

First-Time Buyer Programs

First-Time Home Buyer Incentive

Government shares 5-10% of home cost

HBP (RRSP)

Withdraw up to $35,000 tax-free

Tax Credits

Provincial and federal credits available

Property Transfer Taxes by Province

ProvinceTax StructureNotes
Ontario0.5-2.5%Toronto: additional municipal tax
BC1-5%20% foreign buyer tax
Quebec0.5-2.5%Welcome tax
AlbertaNoneRegistration fees only

Start Your Calculation Now

Get an accurate estimate of your mortgage payments including all taxes and insurance.