Calculators
Run the numbers before the conversation
Three straightforward calculators with every assumption written out. They run entirely in your browser — nothing is stored, nothing is submitted, and no figure you enter here is ever attached to a form.
Last reviewed: September 2026
Home equity calculator
Estimate available equity against the 80% lending-value reference and see your current estimated loan-to-value.
Open calculatorPurchase planningAffordability calculator
An illustrative estimate using GDS and TDS references and a qualifying rate, with every assumption shown.
Open calculatorDown paymentPurchase & down payment calculator
See the down payment amount, mortgage before insurance, estimated LTV and the federal minimum reference.
Open calculatorThis article is general information only. It is not a mortgage approval, a rate quote, or individualized financial, tax or legal advice. Terms, availability and eligibility depend on the borrower, the property and the lender.
Background reading
Understand what the numbers mean
The guides behind the assumptions used in these calculators.
Understanding the 80% Loan-to-Value Limit
What LTV means, how it is calculated, and why 80% keeps appearing in conversations about accessing equity.
Read the guideAffordabilityHow Mortgage Affordability Is Estimated
GDS, TDS, the qualifying rate and the down payment — how the pieces fit together in an affordability estimate.
Read the guideClosingCommon Closing Costs When Purchasing in Ontario
What to budget beyond the down payment, and why 1.5%–4% is the usual planning range.
Read the guide