Compare Canadian Mortgage Costs Side-by-Side

Know what a home will really cost each month. Compare up to 5 properties (or multiple scenarios for the same home) using Canadian mortgage standards for mortgage, taxes, insurance, condo fees, and rental income.

Download the full amortization schedule and see how equity builds over time. Ready to move forward? Get help shopping rates.

Default Mortgage Settings

These settings apply to all properties you add. You can customize mortgage parameters for each individual property in the comparison table.

Interest Rate4.19%

Amortization25 years

Payment FrequencyMonthly

ProvinceNot selected

Property Comparison

SimpleDetailedShows Annual Tax & Insurance inputs, plus monthly cost breakdown

Mortgage Scenario
Purchase Details
Purchase Price
Down Payment Canadian minimum down payment: • ≤$500k: 5% of price • $500k-$1M: 5% on first $500k + 10% on remainder • ≥$1M: 20% (CMHC not available)
CMHC Insurance Mortgage default insurance required for down payments under 20%. The base premium is added to your mortgage principal. PST (shown separately where applicable) is a closing cost paid upfront, NOT added to your mortgage. Provinces: Ontario (8%), Quebec (9%), Saskatchewan (6%).
Monthly Condo Fees
Monthly Rental Income
Monthly Costs (Calculated)
Mortgage Payment
Monthly Mortgage Cost
Tax + Insurance + Fees
Rental Income Offset
Net Monthly Cost
Long-term Analysis
Interest After 5 Years
Total Interest (Full Amortization)
Equity After 5 Years

Debug: Current State (from Zustand store)

{
  "properties": [],
  "defaultMortgageParams": {
    "interestRate": 0.0419,
    "amortizationYears": 25,
    "paymentFrequency": "monthly",
    "province": "none"
  }
}