Is a Better Rate Worth It?
Refinance Calculator
Compare your current mortgage against a new rate to see what you'd save each month — and over the remaining life of the loan.
Refinance Savings
Current monthly payment$4,368
New monthly payment$3,894
Monthly savings$474
Savings over 20 years$113,846
Estimate only. Excludes prepayment penalties, legal fees, and appraisal costs — a lender or broker can confirm whether refinancing saves you money after break costs.
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Mortgage Options
Fixed vs variable, open vs closed — what fits your situation.
Payment Calculator
Monthly payment from price, down payment, rate, and amortization.
Land Transfer Tax Calculator
Ontario + Toronto municipal tax, with first-time buyer rebates.
Affordability Calculator
What price range you qualify for, from income and debts.
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