Free Mortgage Tools

Mortgage calculators for Alberta home buyers and homeowners

Estimate payments, affordability, minimum down payment, home equity, refinancing, debt consolidation and renewal scenarios without leaving ForteMortgages.ca.

New · Property Tool

Property Mortgage Analyzer

Found a home? Save the listing link and turn the asking price into estimated down payment, mortgage, payment and cash-to-close numbers.

Payment

Mortgage Payment Calculator

Estimate monthly, biweekly or accelerated mortgage payments using Canadian interest-rate compounding.

Buying

Mortgage Affordability Calculator

Estimate a mortgage and purchase-price range using income, debts and common qualification ratios.

Down Payment

Down Payment Calculator

See the minimum down payment, mortgage amount and an estimated default-insurance premium.

Home Equity

Home Equity & Refinance Calculator

Estimate current LTV and how much equity may be accessible using an 80% refinance planning guideline.

Cash Flow

Debt Consolidation Calculator

Compare current mortgage + debt payments with an estimated consolidated mortgage payment.

Renewal

Mortgage Renewal Calculator

Compare two renewal rates and see the estimated monthly and annual payment difference.

Penalty

Mortgage Break Calculator

Estimate a mortgage penalty, compare three months’ interest with a simple IRD, and see a rough break-even period.

Qualification

GDS / TDS Calculator

Estimate gross debt service and total debt service ratios using household income, housing costs and monthly debts.

Payoff

Extra Payment Calculator

Estimate how extra monthly payments could shorten your mortgage and reduce interest.

Buying

Rent vs. Buy Calculator

Compare estimated monthly renting costs with a simple homeownership cash-flow scenario.

Closing Costs

Alberta Closing Cost Calculator

Estimate down payment plus common legal, inspection, appraisal, moving and adjustment costs.

Useful estimates, not mortgage approvals

These calculators are designed for planning and education. Mortgage qualification, rates, insurance, fees, appraisals and product availability depend on lender and insurer criteria. If a number looks interesting, I can help you review it against your actual situation.