Ontario mortgage calculators
Explore payments, qualification, home-buying costs and mortgage choices using your own numbers. Nothing is submitted unless you ask Athena to review it.
Not sure where to start?
Choose a guided path and answer a few questions. You can change your numbers as often as you like.
Guided path
Home-Buying Range Estimate
Answer five questions to estimate a realistic Ontario purchase range.
Start purchase estimateGuided path
Refinance and Equity Take-Out Estimate
Answer three questions to estimate how much equity may be available.
Start refinance estimateGuided path
Renewing or Switching
Review your options before accepting your lender's renewal offer.
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Choose a calculator based on what you want to estimate or compare.
Buying power
Maximum Mortgage Amount
Estimate the largest mortgage your income and debts may support.
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Income Required
Estimate the income needed for a specific purchase price.
Open calculatorPayments and mortgage costs
Monthly Mortgage Payment
Change the price, down payment, term and rate to estimate your payment.
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Mortgage Payment Analyzer
Compare monthly, semi-monthly, bi-weekly and weekly payments.
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Mortgage Cost Isolator
Enter three mortgage details to calculate the fourth.
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Compare Mortgage Options
Compare up to three mortgages side by side.
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Down Payment Impact
See how different down payments affect your mortgage and monthly cost.
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Ontario Rent vs Buy
Compare the estimated long-term costs of renting and buying.
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Ontario Land Transfer Tax
Estimate Ontario and Toronto land transfer tax and available rebates.
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