Free Tools

Canadian Mortgage Calculators

Get a quick idea of what a mortgage will cost you in Maple Ridge. All calculations use proper Canadian semi-annual compounding and include the federal stress test.

Maximum Mortgage Calculator

Calculate the maximum mortgage amount you may qualify for based on your income — including the federal stress test.

You may qualify for up to
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$0
Max Purchase Price
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Est. Monthly Payment
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GDS Ratio (max 39%)
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TDS Ratio (max 44%)
Stress test qualifying rate: 5.25% (higher of contract rate + 2% or 5.25% floor)

Mortgage Analyzer

Calculate your mortgage payment, see a principal vs. interest breakdown, and discover what you'll owe after 5 years.

Your Mortgage Payment
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$0
Total Interest Paid
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Total Cost of Mortgage
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Balance After 5 Yrs
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Equity After 5 Yrs

Payment Frequency Analyzer

Compare mortgage payments across all frequency types and see how accelerated payments can save you thousands in interest.

Standard Payment Options
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Monthly (12/yr)
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Semi-Monthly (24/yr)
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Bi-Weekly (26/yr)
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Weekly (52/yr)
Accelerated Options (Pay Off Faster)
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Accelerated Bi-Weekly
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Accelerated Weekly

Prepayment Analyzer

Discover how many years you'll shorten your amortization and how much interest you'll save by making a lump sum payment.

Your Prepayment Savings
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in total interest saved
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Years Shaved Off
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New Amortization
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Interest Without Lump Sum
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Interest With Lump Sum

Rent or Buy Analyzer

Compare the financial advantage of renting versus buying over 5 years, including equity, appreciation, and CMHC insurance.

5-Year Comparison
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Renting
Buying
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5-Year Rent Cost
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5-Year Ownership Cost
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Equity Built (incl. down payment)
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Est. Home Value in 5 Yrs

Debt Consolidation Calculator

See what your high-interest debt is really costing you — and what you could save by rolling it into your mortgage. Uses proper Canadian semi-annual compounding.

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Get your free Debt Cost Report
Enter your details to unlock the calculator and see your potential savings.
Your real payoff timeline on the current path
Side-by-side comparison with consolidation
Total interest savings in real dollars
Canadian mortgage math — no guesswork

🔒 Your information is private and never shared. Tania may follow up to discuss your results.

Important Disclaimer: These calculators are provided for illustrative and educational purposes only and do not constitute financial advice, a mortgage pre-approval, or a commitment to lend. Results are estimates based on the information you provide and standard Canadian mortgage conventions (semi-annual compounding for fixed rates). Actual mortgage terms, rates, and payments depend on your credit profile, employment status, property type, and lender policies. Mortgage default insurance premiums shown are approximate based on CMHC rates; actual premiums may vary and may also be provided by Sagen or Canada Guaranty. All affordability calculations include the federal mortgage stress test (qualifying rate: higher of contract rate + 2% or the 5.25% floor). Rates are subject to change without notice. For an accurate, personalized mortgage quote, please contact Tania Kalinich. For official mortgage information, visit the Financial Consumer Agency of Canada. ${CONFIG.brokerage ? `

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