Mortgage Calculators
Free, accurate Ontario mortgage calculators built to Canadian rules — semi-annual compounding, CMHC insurance thresholds, the stress test, and the 80% refinance cap.
All estimates are for planning purposes only. HB Mortgage Centre is an FSRA-licensed Ontario brokerage (#13449) that has funded over $1 billion in mortgages since December 2021.
Buy & Own
Estimate payments, qualification, and costs for purchasing a home.
Mortgage Payment Calculator
Estimate your regular payment by home price or loan amount, with multiple frequency options and a full amortization schedule.
OpenAffordability Calculator
Estimate how much home you can qualify for based on income, debts, and the stress test.
OpenDown Payment Calculator
Calculate your minimum down payment and whether CMHC default insurance applies.
OpenMortgage Amortization Calculator
See your full amortization schedule and compare different amortization periods.
OpenCondo Mortgage Calculator
Factor in condo fees and reserve fund contributions when estimating what you can afford.
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Manage, Refinance & Specialty
Equity access, debt consolidation, renewals, private mortgages, and more.
Refinance Calculator
Estimate available equity and your new monthly payment when refinancing within the 80% LTV cap.
OpenHELOC Calculator
Estimate how much you can borrow on a home equity line of credit.
OpenHome Equity Loan Calculator
Compare a lump-sum second mortgage against your current equity and payment.
OpenDebt Consolidation Calculator
Estimate savings from rolling high-interest debt into your mortgage.
OpenMortgage Renewal Calculator
Compare renewal options and see the impact of rate changes at maturity.
OpenCommercial Mortgage Calculator
Debt service coverage ratio and payment estimates for commercial properties.
OpenReverse Mortgage Calculator
Estimate how much equity you can access through a Canadian reverse mortgage.
OpenPrivate Mortgage Payment Calculator
Estimate payments for interest-only and principal-plus-interest private mortgages.
OpenPrivate Bridge Calculator
Model bridging costs while you move from a private mortgage to conventional financing.
OpenSecond Mortgage Calculator
Estimate your payment and combined LTV for a second mortgage.
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