Understand the numbers before you decide.

Whether you’re buying, refinancing or renewing, start by exploring what may be possible.

Use the tools privately. No application or conversation required.

Choose your mortgage path

Buying a home

Estimate what you may be able to afford, your payment and the costs of buying.

Refinancing or using equity

See how much equity may be available and what changing your mortgage could mean.

Explore refinancing

Renewing or switching

Review your options before accepting your lender’s renewal offer.

Explore renewal

I’m Athena Constantinou, an Ontario mortgage broker with more than 27 years of experience helping people with residential and commercial mortgages.

Explore the numbers

Use these calculators to test an idea, compare an option or prepare for a conversation.

Guided path

Home-Buying Range Estimate

Answer five questions to estimate a realistic Ontario purchase range.

Start purchase estimate

Payments

Monthly Mortgage Payment

Adjust the price, down payment, term and rate to estimate your monthly payment.

Open calculator

Guided path

Refinance and Equity Take-Out Estimate

Answer three questions to estimate how much equity may be available.

Start refinance estimate

When the usual lending guidelines don’t fit

A mortgage can become less straightforward when income is self-employed or variable, Canadian credit history is limited, a past credit issue needs to be explained or the property itself falls outside standard guidelines. The numbers still matter, but so does understanding how different lenders may view them, including buying, refinancing or renewing with alternative mortgage options.

The numbers may not tell the whole story.

Income type, existing debt, property costs, available savings and future plans can all affect what makes sense, not only what may be approved.

If you would like help understanding your result or deciding what to explore next, send me your question.