Genius Insights | Premium Banking & Insurance Calculators 2025

Canada Property & Mortgage Calculator

Calculate affordability, mortgage payments, and total costs for Canadian real estate

Property Price (CAD $)

Down Payment (CAD $)

Interest Rate (%)

Amortization Period (Years)

Payment Frequency

Property Tax Rate (%)

Annual Home Insurance (CAD $)

Monthly Condo Fees (CAD $)

Annual Heating Costs (CAD $)

Province/Territory

Property Type

Annual Income (CAD $)

Monthly Debt Payments (CAD $)

Include CMHC mortgage insurance (required if down payment < 20%)

Property Analysis Results

Property Price:CAD $750,000

Down Payment (20.0%):CAD $150,000

Mortgage Amount:CAD $0

Monthly Mortgage Payment:CAD $0

Monthly Property Tax:CAD $0

Monthly Insurance:CAD $0

Monthly Heating:CAD $0

Total Monthly Payment:CAD $0

Land Transfer Tax:CAD $0

Total Cash Needed:CAD $0

Affordability Analysis

GDS Ratio:0%

TDS Ratio:0%

Loan-to-Value:0%

Affordability Status

Canadian Mortgage Features

CMHC Insurance

Not Required

Mortgage insurance premium

GDS Ratio

Gross debt service ratio

TDS Ratio

Total debt service ratio

Land Transfer Tax

CAD $0K

Provincial transfer tax

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Canadian Mortgage Rules

CMHC insurance, GDS/TDS ratios, and provincial land transfer taxes included

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Complete Cost Analysis

Property tax, insurance, heating, condo fees, and all closing costs

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Affordability Assessment

GDS and TDS ratio calculations for mortgage qualification guidance