Tools
Free big-bank mortgage tools
Five calculators that run in your browser. Nothing you type is sent anywhere, and every rule they use links to its official source.
Prepayment penalty estimator
IRD vs 3 months’ interest, with the posted-rate method four of the big banks describe and the contract-rate method many others use.
Bank vs broker cost comparison
Two offers over the whole term: interest, fees, cash back and the penalty if you break early.
Renewal checklist and timeline
Dates counted back from your maturity date, ten steps to tick off, and a printable page.
Payment and amortization calculator
All six payment frequencies, Canadian semi-annual compounding, extra payments and your balance at renewal.
Stress test calculator
Your qualifying rate, GDS and TDS at that rate, and the largest mortgage your income supports.
Each tool opens with a worked example, so you can check the maths before you trust your own result. Want a second opinion on a rate? IsThisAGoodRate.ca scores it.