All calculators
Six calculators for your mortgage
Six tools built for Quebec: semi-annual compounding, the CMHC premium and its 9% tax, GDS and TDS ratios, the qualifying rate, break penalties and the real cost of refinancing.
Mortgage payment
Estimate the monthly payment, CMHC premium, Quebec tax on that premium and balance at the end of the term.
Borrowing capacity
Estimate capacity using the qualifying rate, monthly debts and GDS/TDS ratios.
Mortgage penalty
Three months’ interest or the rate differential: estimate what breaking your term costs before you sell, refinance or switch lenders.
Refinancing
New payment, penalty, fees and break-even: measure whether using your equity is worth what it costs.
Debt consolidation
Compare the monthly total and the interest before and after folding your debts into the mortgage.
Fixed or variable rate
Compare one term’s interest under both structures, and the point where a variable increase catches up with the fixed.
Your numbers stay in your browser. No account or submission is required.
The rules behind the calculations
The thresholds used (GDS and TDS ratios, qualifying rate, CMHC premiums, 9% tax) come from the sources below and are updated when the rules change.
These results are estimates for planning purposes only. They are not a mortgage approval, financing offer or financial advice. A lender or insurer may apply different criteria.
Contact
Tell Mathieu about your project
Buying, renewing, refinancing or an unusual situation: describe where you are at, even if it is still vague. Mathieu replies with the next steps and the documents to gather.
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- Across Quebec, in French and English
- No fee on most residential files