Free tools to help you estimate payments, qualification, taxes, and savings across British Columbia.
Select a calculator below to run the numbers on your next mortgage decision.
Estimate your monthly, bi-weekly, or weekly mortgage payments with Canadian semi-annual compounding.
Use Calculator →Find out how much home you can afford based on your income, debts, and the federal stress test.
Use Calculator →Calculate your mortgage default insurance premium if your down payment is less than 20%.
Use Calculator →See if breaking your current mortgage makes financial sense after penalties and fees.
Use Calculator →Estimate BC Property Transfer Tax including first-time buyer and newly built home exemptions.
Use Calculator →Compare two mortgage options side by side to see which saves you more over the term and amortization.
Use Calculator →These calculators use standard Canadian mortgage formulas with semi-annual compounding and are intended to provide reliable estimates. However, your actual rate, payment, and qualification will depend on your full application. Use the results as a starting point and contact Ajay for a personalized assessment.
Yes. The Affordability Calculator applies the federal stress test, qualifying you at the greater of your contract rate plus 2% or the 5.25% floor rate. This mirrors what lenders are required to use when assessing your application.
These calculators are designed primarily for owner-occupied residential properties. Investment and rental property mortgages often have different qualification rules, required down payments, and rates. Reach out to Ajay directly for investment property guidance.
Ajay can walk you through the numbers and find the best mortgage for your situation.