Canada Loans Calculators

If you hold or want a Canadian mortgage, two genuinely new rules matter. From 1 July 2026, OSFI exempts straight switches, same balance, same amortization, from the stress test at renewal, so the calculator shows whether your file qualifies and what the two-point qualifying-rate difference is worth. For first-time buyers of new builds, the Bill C-4 GST rebate tool prices the federal rebate (full relief to $1 million, phasing out to $1.5 million) alongside Ontario's enhanced rebate and the $60,000 Home Buyers' Plan.