Sources & method
Last reviewed August 2026
Every rule on this site comes from a published federal or provincial source. Nothing is proprietary and nothing is guessed. Where a figure depends on something only a lender can confirm, the calculator says so instead of inventing precision.
Rates and lending rules
Benchmark rates, the stress test, and the qualifying rules lenders must follow.
Mortgage insurance
Premium rates and eligibility for default-insured mortgages.
Taxes and closing costs
Land transfer tax brackets, rebates, and closing-cost guidance.
Consumer protection
Verify a mortgage agent's licence before sharing financial documents.
Methodology notes
What's My Mortgage is an independent educational resource operated by [Legal Entity Name]. It is not a mortgage brokerage, lender, or insurer, and does not arrange, negotiate, or advise on mortgages. Asking to speak with someone connects you with a licensed mortgage agent, with no obligation. Confirm any agent's licence on FSRA's public registry before sharing financial documents. Every figure here is an estimate from the numbers you enter and published guidelines, not an approval, a rate guarantee, or personal advice. Penalties can only be confirmed by your current lender. Rates last reviewed August 2026.