Buying a home in Canada in 2026 is a different math problem than it was even two years ago. Fixed rates moved up in April, the CMHC insurance premium schedule still bites under 20% down, and the federal stress test (qualifying rate of contract + 2% or 5.25%, whichever is higher) hasn't gone anywhere. Our mortgage tools work with all of that, not around it.

The Mortgage Calculator gives you the headline number most people want: monthly payment, total interest paid over the amortization, and a year-by-year breakdown of principal vs interest. It works for purchases, renewals, and refinances — punch in any rate, term, and amortization (including 30-year for first-time buyers under the new 2024 rules).

If you're at the earlier 'should I even be buying?' stage, the Rent vs Buy Calculator compares the true 5- or 10-year cost of buying (down payment, closing costs, mortgage interest, property tax, maintenance, lost investment returns on your down payment) against renting plus investing the difference. Most Canadians are surprised which side wins — and it changes by city.