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Canadian mortgages combine an amortization (typically 25y) with a renewable term (typically 5y) — borrowers re-negotiate the rate every 5 years. CMHC mortgage insurance required above 80% LTV. Stress test (B-20) requires qualifying at the higher of contract rate + 2% or BoC posted rate.
Typical fixed-rate band
4.50–5.75%
2026 headline range
Typical floating / variable
5.00–6.25%
Tracker / SVR / EBLR / EIBOR / SORA…
Max LTV
95%
Typical deposit 20%
Typical term
25 yrs
Interest-Rate Differential charge if breaking a fixed term
Pre-populated with the median fixed rate, typical deposit %, and typical term from CA lenders. Override any input. Stamp / transfer / property tax not modeled — see the sources block below for binding affordability rules.
Loan amount
CA$560,000
LTV 80.00%
Monthly P&I
CA$3,316
25y at 5.13%
Total interest
CA$434,878
Total cost CA$994,878
Stamp / transfer / property tax differs widely by jurisdiction and is not modeled here. See the country's sources block below for the binding rules.
Provincial Land Transfer Tax (Toronto adds the Municipal LTT on top), foreign-buyer / non-resident speculation tax where applicable, and FHB rebate handling.
On top of the home price — that's 1.8% of the price.
| Line item | Amount |
|---|---|
Ontario Land Transfer Tax | CA$10,475 |
Lawyer / notary fees Typical for a residential closing; QC mandates a notary. | CA$1,500 |
Title insurance One-time premium. | CA$350 |
Home inspection | CA$500 |
| Total | CA$12,825 |
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What this calculator does NOT cover:
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Last reviewed
April 28, 2026
Reviewed by
infoz Editorial Team — Editor, Web Publishing Corp
CA mortgage market — typical rate bands and structural quirks compiled from each country's central-bank statistical release for 2026.
Numbers, schedules, and source citations on this page are checked against primary sources during each review cycle. Spot something outdated or wrong? Report an inaccuracy — we triage every report within 7 days.