The numbers before the signature
Fourteen tools, the Canadian mortgage rules, the Quebec schedule. No sign-up: you enter your numbers, you get the answer.
Buying
- Borrowing capacityThe highest price your income can carry, stress test included.
- Mortgage paymentsWhat comes out at each payment, and what the loan costs in interest over its life.
- Down payment and insuranceThe legal minimum, the insurance premium attached to it, and what each 5% band changes.
- Mortgage stress testWhat the stress test takes off your capacity, and the rate you are actually qualified at.
- Land transfer taxQuebec's welcome tax, on your municipality's 2026 schedule — Montréal included.
- Cash required to closeEverything you need in the bank on closing day — the down payment is only the start.
Renewing or refinancing
Understanding your loan
Debt and savings
- Debt consolidationRolling your debts into one payment: what it changes each month, and in total.
- Credit card interestHow long it takes to clear a balance, and what waiting really costs.
- Compound interestWhat your down payment becomes if you give it time to work.
- TFSA contribution roomHow much room you have left — the TFSA is often the first pot a down payment comes from.