🍁 Canadian Mortgage Calculator
Canadian Mortgage Calculator 2026
Calculate your monthly payment, CMHC insurance, stress test qualification and compare current rates from RBC, TD, BMO, Scotiabank, CIBC and more.
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Insured mortgages in Canada max out at 25 years.
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Canada Stress Test
Qualifying rate: —
Required income to qualify: —
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Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
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Current Rates — Canadian Lenders
Indicative rates — verify on lender's site| Lender | 5-yr Fixed | 3-yr Fixed | Variable | Action |
|---|---|---|---|---|
| RBC Royal Bank | 2.45% | 2.10% | 1.90% | |
| TD Bank | 2.40% | 2.05% | 1.85% | |
| BMO | 2.50% | 2.15% | 1.95% | |
| Scotiabank | 2.45% | 2.10% | 1.90% | |
| CIBC | 2.50% | 2.15% | 1.95% | |
| National Bank | 2.35% | 2.00% | 1.80% | |
| Tangerine | 2.25% | 1.90% | 1.70% | |
| First National | 2.15% | 1.80% | 1.60% | |
| MCAP | 2.20% | 1.85% | 1.65% | |
| Meridian Credit Union | 2.30% | 1.95% | 1.75% | |
| Nesto | 2.10% | 1.75% | 1.55% | |
| Ratehub / Butler Mortgage | 2.05% | 1.70% | 1.50% |
Rates are indicative and derived from the Bank of Canada conventional mortgage benchmark.
Updated Jun 4, 2026.
Always confirm directly with the lender.