Canadian Mortgage Trigger Rate & Payment Shock Simulator

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Mortgage & Stress Test

Core payment calculator with stress test.

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Affordability Calculator

Maximum home price from GDS/TDS ratios and stress-test rules.

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CMHC Insurance Premium

Default insurance premium tiers and PST due on closing.

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Mortgage Penalty (IRD)

Break penalty: 3-month interest or IRD.

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Payment Frequency Savings

Monthly vs bi-weekly vs accelerated — interest and time saved.

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Rent vs Buy

Long-term rent vs own with taxes, appreciation, and opportunity cost.

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Cost Approach Valuation

Replacement cost less depreciation plus land.

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Commission & Net Proceeds

Agent commission, tax, and seller net proceeds.