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Canadian mortgage calculator
Estimate your payments, mortgage insurance and payment frequency.
Monthly payment
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- Estimated mortgage
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- Monthly payment
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- Bi-weekly payment
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- Principal repaid
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- Estimated interest
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- Mortgage insurance premium (added to mortgage)
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- Ontario sales tax on premium (due at closing)
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- Estimated payoff time
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Estimates only, for information purposes. Calculations assume a fixed rate compounded semi-annually and do not include property taxes, condo fees, insurance or closing costs. Actual rates, payments, insurance premiums and eligibility are set by your lender; consult a licensed mortgage professional.
Land transfer tax estimate
Estimate Ontario land transfer tax, plus Toronto’s municipal land transfer tax for homes in the City of Toronto, including first-time buyer refunds.
Estimated land transfer tax
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- Ontario land transfer tax
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- Toronto municipal land transfer tax
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- First-time buyer refunds/rebates
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Estimate only, based on published Ontario and City of Toronto rates effective April 1, 2026. Eligibility rules apply to first-time buyer refunds and rebates. Non-resident speculation taxes are not included. Confirm amounts with your real estate lawyer.
Need help buying this property?
Nili can introduce you to mortgage professionals and help you plan a purchase that fits your budget.