Mortgage calculators
Get quick estimates for your mortgage payments, affordability, and closing costs. For exact numbers based on your situation, book a free call.
Mortgage payment calculator
Estimate monthly principal & interest, including default CMHC insurance premiums if your down payment is under 20%.
Affordability calculator
See what price range fits your income, using standard 39% GDS / 44% TDS guidelines and the mortgage stress test (contract rate + 2%).
Land transfer / closing cost calculator
Estimate one-time closing costs, including Nova Scotia deed transfer tax. The Halifax Regional Municipality rate is 1.5%; adjust it if you're buying elsewhere.
Down payment calculator
See how your down payment affects your loan-to-value ratio and CMHC mortgage default insurance premium.
Rent vs. buy calculator
Compare renting to owning in Halifax, including a rough estimate of property tax and maintenance costs.
Want the exact numbers?
Calculators give you a starting point — a free consultation gives you a real plan.