Are these mortgage calculators accurate for Canada?

They use Canadian semi-annual compounding and the federal stress test, so the numbers track how a Canadian lender qualifies a file. They are planning estimates, not an approval — your real rate depends on your full file.

What if I don’t qualify with a bank?

That is CBNS’s specialty. With 120+ lenders across Canada and the U.S. we can often structure an approval when a bank says no. Run the numbers, then request your real quote.

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Run your numbers in seconds.

Three quick Canadian calculators — your mortgage payment, what you could qualify for, and what you'd save by consolidating. Then get your real quote from a broker who finds approvals when banks say no.

No sign-up No obligation Estimates in CAD

Mortgage payment calculator

Estimate your monthly payment, taxes included. Canadian semi-annual compounding.

Home price

Down payment

Interest rate

Amortization

Property tax / year

Estimated monthly payment

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Mortgage amount: —
Principal + interest: —
Property tax / month: —
Total interest: —
Down payment: —

An estimate for planning, not an offer. Your real rate depends on your file.

Get your real quote

How much can I qualify for?

A realistic estimate using Canadian lending ratios and the mortgage stress test.

Household income / year

Other monthly debts

Down payment

Rate you expect

Amortization

Property tax / year

Estimated home price you could carry

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Maximum mortgage: —
Max housing payment / month: —
Qualifying (stress-test) rate: —

A planning estimate, stress-tested — not an approval. A real file can often do more. That’s our specialty.

See what you actually qualify for

Refinance & debt-consolidation savings

Roll high-interest balances into one lower payment. See what you could free up each month.

Balances to consolidate

What you pay now / month

New consolidated rate

New amortization

Estimated monthly saving

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New payment / month: —
Saving / year: —

An estimate. Real savings depend on your rate, term and lender — often the ones banks won’t offer.

See if we can consolidate yours

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