🏠 Canada Mortgage Calculators
Calculate monthly mortgage payments, CMHC insurance, and test your qualification under 2025 Canadian regulations.
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
Ontario
(7 cities)Toronto
Avg: $1.2M CAD
See your true monthly payment with Toronto property taxes & CMHC insurance built in—plus today's average 5-yr fixed rate. Downtown, North York, Scarborough costs included.
Ottawa
Avg: $700,000 CAD
Calculate mortgage payments for Ottawa homes. Get estimates for Glebe, Westboro, ByWard Market housing costs.
Hamilton
Avg: $800,000 CAD
Calculate mortgage payments for Hamilton homes. Get estimates for Dundas, Ancaster, Downtown Hamilton housing costs.
Mississauga
Avg: $1M CAD
Calculate mortgage payments for Mississauga homes. Get estimates for Port Credit, Streetsville, Square One area costs.
Brampton
Avg: $900,000 CAD
Calculate mortgage payments for Brampton homes. Get estimates for Downtown, Bramalea, Mount Pleasant housing costs.
London
Avg: $650,000 CAD
Calculate mortgage payments for London homes. Get estimates for Old North, Wortley Village, Byron housing costs.
Kitchener
Avg: $750,000 CAD
Calculate mortgage payments for Kitchener-Waterloo homes. Get estimates for Downtown, Uptown Waterloo, University District costs.
British Columbia
(3 cities)Vancouver
Avg: $1.4M CAD
Calculate mortgage payments for Vancouver real estate. Get accurate estimates including property transfer tax for Downtown, Kitsilano, Richmond properties.
Surrey
Avg: $1M CAD
Calculate mortgage payments for Surrey homes. Get estimates for South Surrey, Newton, Guildford housing costs.
Victoria
Avg: $900,000 CAD
Calculate mortgage payments for Victoria homes. Get estimates for Oak Bay, Fairfield, James Bay housing costs.
Quebec
(2 cities)Montreal
Avg: $600,000 CAD
Calculate mortgage payments for Montreal homes. Get estimates including welcome tax for Plateau, Mile End, Westmount housing costs.
Quebec City
Avg: $400,000 CAD
Calculate mortgage payments for Quebec City homes. Get estimates for Old Quebec, Sainte-Foy, Limoilou housing costs.
Alberta
(2 cities)Calgary
Avg: $600,000 CAD
Calculate mortgage payments for Calgary homes. Get accurate estimates for Beltline, Kensington, Mount Royal housing costs.
Edmonton
Avg: $450,000 CAD
Calculate mortgage payments for Edmonton homes. Get estimates for Old Strathcona, Downtown, West Edmonton housing costs.
Saskatchewan
(2 cities)Manitoba
(1 cities)Nova Scotia
(1 cities)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
Province | Tax Structure | Notes |
---|---|---|
Ontario | 0.5-2.5% | Toronto: additional municipal tax |
BC | 1-5% | 20% foreign buyer tax |
Quebec | 0.5-2.5% | Welcome tax |
Alberta | None | Registration fees only |
Start Your Calculation Now
Get an accurate estimate of your mortgage payments including all taxes and insurance.