The Mortgage Centre: tools and calculators

Six questions about certainty, timing and what an early exit would cost you. The result explains a mortgage type; it never points you to a lender or a rate.

Answer five questions about your income, down payment and status, and see the paperwork a lender is likely to ask for, sorted to what applies to you. Your specific lender may ask for more, or less.

Use this to see a monthly, bi-weekly or accelerated payment for a given rate and amortization, with Canadian semi-annual compounding.

Legal fees, disbursements, adjustments and land transfer tax.

Ontario and Toronto, with the first-time buyer refund.

Use this at renewal, to compare your lender's offer against switching elsewhere, over the term, after switching costs.

Use this when comparing a refinance's penalty and costs against the months of savings it would take to recover them.

Five questions about your move, your rate and the cost of leaving early. The result names an option to research further; it never points you to a lender.

Use this when you are thinking about breaking or paying off a mortgage early, to estimate three months' interest versus the interest rate differential.

Enter the date a payment was missed to see the earliest a Notice of Sale can be given and the earliest a property can be sold under Ontario's Mortgages Act. Treat the dates as typical, not fixed; a mortgage's own terms and a lender's practice can vary them.

For new builds and substantial renovations.