Canadian Mortgage Calculator:

Instantly Estimate Your Payments and Amortization

Are you ready to find out exactly how much your mortgage payments could be? Our comprehensive Canadian Mortgage Calculator gives you real-time estimates based on your loan amount, interest rate, amortization period, and payment frequency. Whether you’re buying a home, refinancing, or simply budgeting, this tool helps you compare scenarios and understand your total costs. Use it to tailor your mortgage strategy and make confident, informed decisions—every step of the way.

Mortgage Size

Insured mortgage cap is now $1.5M. First-time buyers & new builds can have up to 30-year amortizations (from Dec 15, 2024).

$
Current Value: $500,000

Down Payment & Property Type

$
0% 20% 100%
Current Value: $100,000

Payment Frequency

Interest Rate

%
Current Rate: 4.24%
Term length for your chosen rate.

Amortization

5 25 30
From Dec 15, 2024, first-time buyers & new builds can choose up to 30 years.

Home Expenses

Yearly
Monthly
$
$
$

Rental Income

Enable if you rent out part of your home.

Yearly
Monthly
Accelerated Payments & Pre-payments
Move the slider above 0 to increase # of payments/year. Choose the % extra you want for each.

Make an immediate lump sum on your mortgage.

Apply extra principal each year.

Advanced Settings

$0

Includes 0% of Extra Payment
  • Monthly Mortgage
    $0.00
  • Home Expenses
    $0.00
  • Other Expenses
    $0.00
  • Rental Income
    $0.00

Mortgage Size: $0

Down Payment: $0

Mortgage Insurance: $0.00

Details

Mortgage Payment: $0.00
Net Mortgage: $0.00
Interest paid over Term: $0.00 (INTEREST SAVING $0)
Balance end of Term: $0.00
Effective Amortization: 0 years (0 years faster)

Powered by the Genesis Group

Comparison: Your Scenario vs. Minimum 5% Scenario

Your Scenario (Below 5% Down)
Payment ignoring insurance: $0.00

Minimum 5% Down Scenario
Payment with insurance (5% down): $0.00

Compare Two Scenarios

Quickly see how different down payments or rates can change your monthly payment.

Scenario B Result

Monthly Payment: $0.00

Interest Paid Over Term: $0.00

Mortgage Insurance: $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.

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5 Year - Variable

4.45%

This exclusive rate is available for High Ratio Mortgages and applies to both new purchases and some mortgage switches. With a guaranteed rate of Prime -1.00%, you’ll enjoy the freedom to make extra payments or increase your monthly payments by up to 20% per year.

And the best part? This is a full-frills mortgage—no hidden surprises or restrictive clauses like a bona fide sales clause!

Prime Rate @ 5.45%

4.45% - 5.50%

If you don’t qualify for our lowest advertised rate, don’t worry! We have other competitive options tailored to your needs. Factors such as your credit score and home equity will determine your final rate.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

5 Year - Open

4.95%

Enjoy a rate discount starting from Prime -0.50% for your term. This 5-year Adjustable Rate Mortgage (ARM) offers unmatched flexibility: pay it, lock it, break it, or change it—with no restrictions or penalties.

Perfect for insured, insurable, and uninsured new purchases and switches, this option is available for owner-occupied properties only.

Prime Rate @ 5.45%

4.95% - 6.75%

If you don’t qualify for our lowest advertised rate, don’t worry—there are still excellent low-rate options for you! Your final rate depends on factors such as your credit rating and home equity.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

5 Year - Fixed

4.24%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.24% - 5.69%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

4 Year - Fixed

4.59%

Take advantage of this competitive rate available for High Ratio purchases and select Insured transfers! Enjoy the flexibility of making up to 20% lump sum payments annually and increasing your regular payments by up to 20%. This is a full-featured mortgage designed to give you the freedom and flexibility you need. 

4.59% - 6.84%

If you don’t qualify for our lowest advertised rate, don’t worry—we’ve got a variety of low-rate options to fit your needs. The rates shown above reflect realistic scenarios and are influenced by factors like credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

3 Year - Fixed

4.39%

Take advantage of this fantastic rate available exclusively for High Ratio deals! With the flexibility to make up to 15% lump sum payments annually and the option to increase your regular payments by up to 15%, this is a full-featured mortgage that adapts to your needs. Lock in this rate for up to 120 days and plan your homeownership journey with confidence.

4.39% - 5.79%

Don’t worry if you don’t qualify for our lowest advertised rate—we’ve got you covered with a range of low-rate options tailored to fit your unique circumstances. The rates above reflect realistic scenarios based on factors such as credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

2 Year - Fixed

4.84%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.84% - 6.19%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

1 Year - Fixed

5.49%

Unlock this exclusive low rate for High Ratio purchases and Switches. Enjoy up to 20% lump sum payments annually and the flexibility to increase your payments by 20%! Plus, lock in this fully-loaded mortgage rate for up to 120 days—no hidden restrictions, just exceptional value.

5.49% - 6.99%

Even if you don’t qualify for our lowest rate, we’ve got plenty of low-rate options tailored to fit your unique situation. Your final rate depends on factors like your home equity and credit score, but with Genesis, you’ll always get the best-possible rate for your needs.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!