Morteller planning tools
One place for the home decision in front of you.
Start with buying, owning, renewing or selling. Open only the calculator you need, use your own numbers and see the assumptions behind the result.
FreeNo signupPlanning estimates
Buy
Plan the purchase
Own
Understand the mortgage
Renew
Review the next term
Sell
Estimate what remains
Choose a calculator
Start with what you want to understand.
Buy
Plan affordability, down payment, monthly ownership cost, property tax and cash needed to close.
Monthly home cost estimatorBring the mortgage, property tax, utilities, insurance and applicable recurring costs into one monthly estimate.Mortgage affordability calculatorCompare a property with income, debt and Canadian mortgage qualification guidelines.Ontario closing cost calculatorEstimate land transfer tax, eligible rebates and the cash that may be needed on closing day.Down payment savings plannerTurn a minimum, 20% or custom down payment target into a savings amount and timeline.Ontario property tax calculatorEstimate local property tax using Morteller's benchmark-adjusted 2016 assessed-value approach.
Own
Understand your mortgage schedule, home equity and the impact of paying extra.
Mortgage prepayment calculatorSee how extra recurring payments or a lump sum could reduce interest and shorten payoff time.Home equity position calculatorCompare the estimated property value with the mortgage and other debt secured against the home.Mortgage amortization calculatorSee principal, interest, total paid and the estimated remaining mortgage balance over time.
Renew
Review your next payment, compare rates and test mortgage choices.
Fixed vs variable mortgage calculatorCompare payments and term outcomes, then explore user-controlled variable-rate scenarios.Current mortgage ratesBrowse active public mortgage rates in Morteller and filter by lender, type, term and amortization.Mortgage renewal calculatorEstimate your payment at renewal and compare a lender offer with relevant public mortgage rates.
Sell
Estimate selling costs and the cash that may remain after a sale.