Run your numbers before anyone runs a credit check
These use the same maths lenders use — semi-annual compounding, the stress-test rate, GDS and TDS ratios. Nothing here submits an application or touches your credit.
Refinance Calculator
See your accessible equity, an estimated new payment and the monthly cash-flow difference from refinancing.
Open →Mortgage Payment Calculator
Payments by frequency with Canadian semi-annual compounding, plus total interest over the amortization.
Open →Affordability Calculator
What lenders will approve using GDS and TDS at the stress-test rate — and the number that's actually comfortable.
Open →Important: This is an illustration, not a mortgage approval or financial recommendation. Actual results depend on interest rates, penalties, lender guidelines, qualification and your full financial situation.
See what consolidating your high-interest debt could look like.
Enter 4 numbers. We compare your current mortgage + minimum debt payments against one simpler mortgage payment at 5% over 30 years.
Fixed for this scenario
- 5%
- New mortgage rate
- 30 yrs
- Amortization
- 18%
- Rate on unsecured debt
Monthly Impact
Assumptions
- New mortgage priced at 5% over a 30-year amortization, monthly, semi-annual compounding.
- Unsecured debt carries 18% interest with a 3% minimum monthly payment.
- Refinancing capped at 80% of your estimated home value.
- Penalties, legal, appraisal and discharge costs are not included.
This is an illustration, not a mortgage approval or financial recommendation. Actual results depend on interest rates, penalties, lender guidelines, qualification and your full financial situation.
Not sure which option fits your situation?
Bring your numbers — mortgage balance, balances you're carrying, and what's stressing you out. I'll walk you through what's realistic, including when doing nothing is the better call.