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Free calculators for Canadian mortgage brokers
Quick, client-ready numbers using the conventions Canadian lenders actually apply — semi-annual compounding, stress-tested qualifying rates, and real penalty mechanics.
Mortgage payment calculator
Client-ready monthly, bi-weekly, and accelerated payments with Canadian semi-annual compounding, plus total interest over the amortization.
Open calculator →Prepayment penalty calculator
Estimate a client’s cost to break their mortgage: 3 months’ interest for variable, the greater of 3 months’ interest and IRD for fixed.
Open calculator →For brokers
This is the lightweight version
Inside BrokerOS, calculators connect to live client files — GDS/TDS with the stress test, lender-specific penalty rules, affordability limits, and side-by-side scenario comparisons your clients can actually follow.
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