Mortgage Planning Centre

Mortgage Tools & Planning Centre

Explore your options, compare scenarios, and prepare for your next mortgage decision.

Buying a Home

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Home Affordability

How much home could you qualify for? Enter your income, down payment, and debts.

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Purchase Calculator

Estimate your mortgage payment, CMHC insurance, and amortization schedule.

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Land Transfer Tax

Calculate Ontario and Toronto land transfer tax, including first-time buyer rebates.

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Closing Cost Estimator

Estimate the full cost of closing on your new home in Ontario.

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Renewing Your Mortgage

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Renewal Comparison

Compare your lender's renewal offer with an alternative — see the true cost of staying or switching.

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Refinancing & Managing Debt

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Refinance & Debt Consolidation

Compare keeping your existing mortgage and debts against refinancing everything into one.

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Home Equity Calculator

Estimate your available home equity and potential borrowing power.

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Extra Payment & Payoff

See how extra payments and lump sums reduce your amortization and total interest.

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Mortgage Payment Calculator

Calculate your regular mortgage payment at any rate, amortization, and frequency.

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Investing in Property

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Rental Property Cash Flow

Analyse NOI, cap rate, cash-on-cash return, and break-even occupancy before you buy.

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Preparing to Apply

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Mortgage Readiness Checklist

Know exactly which documents you need. Tailored to your borrower profile.

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Required Income Calculator

Find out the minimum income needed to qualify for a given mortgage amount.

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Ready to talk to a broker?

These tools give you a starting point. WealthKey will review your full picture and find the right mortgage from 50+ lenders.

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WealthKey Mortgage Brokerage Inc. · FSRA Lic. #13857 · 1.888.887.3642 All calculator results are estimates only and do not constitute mortgage approval or a commitment to lend.