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Canadian Spousal Buyout Mortgage Calculator

Calculate the maximum equity you can access (up to 95% LTV) to buy out an ex-spouse and consolidate joint debts under Canadian mortgage rules. Unlike a standard refinance limited to 80% LTV, a spousal buyout program allows higher limits.

Mortgage & Buyout Details

The current appraised market value of the property.

Credit cards, car loans, or LOCs held jointly that must be paid off.

The percentage of the net equity owed to the departing spouse.

Estimated penalty for breaking the current mortgage, plus legal/appraisal fees.

Buyout Analysis

Total Net Equity $0
Owed to Ex-Spouse $0
Required New Mortgage Amount $0
Required LTV (Loan-to-Value) 0%
CMHC Insurance Premium $0
Total Final Mortgage $0

Note: To qualify for the 95% LTV spousal buyout program, both parties must be on the title, and a finalized separation agreement is required.

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