Blanket Mortgage Calculator Canada
Are you looking to streamline your real estate portfolio and potentially save on interest? Our Blanket Mortgage Calculator Canada 2025 offers a fast, clear snapshot of how a multi-property mortgage can simplify finances and reduce costs. Whether you own residential properties, commercial units, or a mix, this interactive tool helps you plan smarter, see monthly payments per property, compare scenarios, and determine if a blanket mortgage is your best move.
Start using our Blanket Mortgage Calculator Canada 2025 now to see how multiple properties under one loan can lower rates, reduce complexity, and free up cash flow for new investments.
Why Choose Our Blanket Mortgage Calculator?
1. True Multi-Property Integration
Unlike basic calculators, ours supports up to 5 properties under a single mortgage, letting you:
- Enter each property’s value and desired loan-to-value (LTV).
- See allocated mortgage portions instantly.
2. Weighted Interest Rate & Combined Terms
We factor in different interest rates per property (if applicable) and compute a weighted average rate for the entire loan. Get a precise overview of total costs, monthly payments, and amortization across your portfolio.
3. Compare Multiple Scenarios
Toggle between scenarios to see how changing LTV percentages, interest rates, or amortization periods could impact:
- Total monthly payment
- Property-by-property contributions
- Overall interest savings
4. Visual Charts & PDF Reports
Our built-in Pie Chart shows the percentage of loan allocation for each property, while the Bar Chart highlights total principal vs. interest.
Generate a professional PDF report of your entire analysis—perfect for investor meetings or lender presentations.
5. Fast, Mobile-Friendly Experience
Enjoy a modern, responsive design that loads quickly on any device. Busy landlords and business owners can make on-the-spot decisions, wherever they are.
Ready to explore multi-property financing? Use our Blanket Mortgage Calculator Canada now or Book a Free Mortgage Consultation with our experts.
Who Is This Calculator For?
Canadian Real Estate Investors
Simplify portfolios by rolling multiple rental properties into one loan. Reduce admin costs, potentially lock in better terms, and free up equity for future deals.
Commercial & Business Owners
Own multiple commercial units or mixed-use buildings? A blanket mortgage can offer more flexibility and capital for expansions or renovations.
Multi-Property Homeowners
Combine a primary residence with a cottage or vacation property under one mortgage, lowering total interest costs and payments.
If you’re wondering, “Should I consolidate multiple properties into one mortgage?” this tool provides a clear, data-driven answer.
How Our Blanket Mortgage Calculator Works
Property Inputs
- Property Value: Estimated market price for each property.
- LTV (%): The percentage of each property’s value that you’d like to mortgage.
- Interest Rate: Either the same across properties or individual rates—our calculator will average them.
Weighted Rate & Combined Loan
- Weighted Average Rate: Automatically calculated if varying rates are used.
- Amortization: Set the desired period (up to 30 years), and we’ll compute the total monthly payment.
Scenario Comparison & Charts
- Pie Chart: Instantly see how much each property contributes to the overall mortgage.
- Bar Chart: Check total interest vs. principal over time.
- PDF Export: Download a professional report to share with partners or lenders.
Instant Savings & Feasibility
- Gauge monthly cash flow, potential interest savings, and how soon you can pay off all properties under one blanket loan.
See how a multi-property mortgage could optimize your finances. Use our Blanket Mortgage Calculator Canada now and make confident, data-backed decisions.
Advanced Features
Accelerated Payments
Choose weekly or bi-weekly options to see how accelerated schedules speed up equity building and reduce total interest paid.
Detailed Scenario Analysis
Adjust rates, LTV percentages, or number of properties to find your ideal financing structure. Perfect for exploring different down payment distributions or interest rate sensitivities.
Mobile Responsive & PDF Reporting
Whether you’re on a laptop or phone, the calculator adjusts seamlessly. Generate a PDF to keep a snapshot of your scenario comparisons and property breakdown.
Try out advanced features now! Compare your multi-property scenarios and download a detailed PDF for professional insights.
Benefits for Canadian Investors & Businesses
- Lower Overall Interest: Consolidate debts and potentially qualify for better terms.
- Reduced Complexity: Manage one mortgage payment instead of juggling multiple.
- Cash Flow Flexibility: Tap into equity across properties to finance expansions or new acquisitions.
- Faster Equity Building: Leverage accelerated payments or strategic LTV splits to build wealth more quickly.
Trusted Expert Support
Ready to proceed? Our brokers connect you with 65+ Canadian lenders to secure the most advantageous multi-property financing solutions.
(Interested in other mortgage tools? Check out our Mortgage Affordability Calculator or Debt Consolidation Calculator for more ways to maximize your finances.)
How This Calculator Works
- Add up to 5 properties under one “blanket” mortgage.
- Enter property value & LTV% (Loan-to-Value). The mortgage portion is auto-calculated.
- If each property has a different interest rate, we’ll compute a weighted average for the combined loan.
- Compare two scenarios (toggle below) to see how changes affect monthly payments & interest.
- Download a PDF report with full details—great for investor analysis.
Scenario 1: Blanket Mortgage Setup
Property #1
Property #2
Property #3
Property #4
Property #5
Scenario 1 - Blanket Mortgage
Weighted Interest Rate: 0.00%
Total Mortgage Amount: $0.00
Monthly Payment (Combined): $0.00
Disclaimer:
The tools and features on this website provide estimates and perform calculations for illustrative purposes only. They rely on various assumptions that may not account for every individual situation. For accurate and personalized guidance, we recommend consulting with a Genesis Group mortgage expert. The Genesis Group does not guarantee the accuracy, reliability, or completeness of these tools or their calculations.
FAQ: Blanket Mortgage Calculator Canada
How accurate is the Blanket Mortgage Calculator Canada?
Our tool follows standard Canadian mortgage calculations, factoring in different property values, LTVs, and rates. Final figures may vary by lender, but this gives you a reliable baseline.
Can I compare scenarios with different rates or properties?
Absolutely. Input different interest rates, LTV percentages, or numbers of properties. Instantly see changes in monthly payments, total interest, and equity usage.
Are there risks to combining multiple properties?
A blanket mortgage ties properties together. If you default, lenders have claims on all properties under the blanket. Always consult a professional to assess your unique risk tolerance.
Is commercial financing covered by this calculator?
Yes—simply input your commercial property values, select the desired LTV and interest rates, and see if a combined loan benefits your business goals.
For official insights on multi-property mortgages and investor guidelines, visit Canada Mortgage and Housing Corporation (CMHC).
Ready to Combine Your Properties?
Stop juggling separate loans or missing out on better rates. Use our Blanket Mortgage Calculator Canada 2025 to quickly assess multi-property financing, simplify your payments, and grow your portfolio. Then, book a free consultation with our experts to get personalized strategies, secure competitive rates, and achieve your real estate goals faster.
Calculate & Compare Now | Contact Our Experts
Make your multi-property journey simpler, faster, and more profitable. We’re here to help every step of the way!
