Manulife One
Compare a Manulife One readvanceable all-in-one account against a traditional mortgage at your own income, expenses and rate.
Open →Mortgage Payment Calculator
Quick payment on any mortgage amount, rate, and amortization up to 40 years — principal + interest or interest-only, monthly, semi-monthly, bi-weekly or weekly.
Open →Affordability + Stress Test
How much mortgage you actually qualify for under the OSFI B-20 stress test — GDS, TDS and the works.
Open →BC Property Transfer Tax
BC PTT with first-time buyer and newly-built home exemptions baked in.
Open →Alberta Land Title Fees
Alberta has no LTT — just the small Land Titles registration fees. Calculate them here.
Open →Ontario LTT + Toronto MLTT
Provincial LTT plus Toronto Municipal LTT — with the luxury brackets (increased April 2026) and first-time buyer rebates.
Open →Mortgage Insurance (CMHC · Sagen · Canada Guaranty)
Default-insurance premium, PST, and total insured mortgage — all three insurers, with the December 2024 federal rules built in.
Open →Closing Cost Calculator
Total cash needed at closing — land transfer tax + legal + appraisal + financing fees for A, Alternative (B) and Private mortgages.
Open →Mortgage Penalty — Break or Stay
IRD vs 3-month interest, big-bank posted-rate method vs fair method — your estimated penalty and whether breaking for today's rates is worth it.
Open →Stated Income — Self-Employed
Buy on your business, not a lean personal T1. The insured stated-income premium at 10% down, and what stating income actually costs versus standard insured.
Open →Equity Take-Out — Two Paths
Break for a new first to 80%, or keep your mortgage and add a second to 75% (65% condos) — penalty, published fees and legal netted out to real cash in hand.
Open →Spousal Buyout — Who Gets What
Enter your separation agreement's split — percent or dollars — and see both sides' shares of the equity, the buyout cheque, and the new mortgage the staying spouse carries, tested at your rate and the stress test.
Open →Reverse Mortgage — 55+
Tax-free equity, payments optional — see the race between your home's value and the balance over 25 years (paid or compounding), provincial probate on your estate, and what a living inheritance costs.
Open →Back to Prime Timeline
After a consumer proposal, bankruptcy, CRA debt, missed payments or foreclosure — where you can borrow today and the dated milestones back to prime lending.
Open →Smith Manoeuvre & Cash Damming
Convert non-deductible mortgage interest into deductible investment borrowing — refund recycling, cash damming for rental/business income, and the break-even return shown honestly.
Open →Pay Off Your Mortgage Faster
See how much faster you'll be mortgage-free with accelerated payments, extra contributions and lump sums.
Open →Blended Interest Rate
True cost of carrying your mortgage, credit cards, CRA & other debts — and what consolidating would save.
Open →Amortization Calculator
Year-by-year schedule for 25, 30 or 35-year amortizations — fixed vs variable compounding, plus interest-only payments for private and HELOC mortgages.
Open →Mortgage APR — the True Cost
The quoted rate isn't the price. Lender fee, broker fee, legal and renewals over the months you actually keep the money — the honest all-in APR, versus a B-side placement.
Open →Financing Fees
Quick estimate of financing and lender fees on your mortgage.
Open →Home Sale Net Proceeds
What you actually walk away with when you sell — commission as a dollar figure or a two-tier percentage with cashback, GST or HST on it, legal, the mortgage payout and its penalty, and any debts cleared on closing.
Open →Every calculator here is built on published Canadian government rules and lender methodology, and was last checked for accuracy on August 1, 2026 — the arithmetic re-verified and every page re-read on screen. Rates and thresholds change — we confirm the current numbers for your file before you rely on them.