Mortgage What-If Scenario Modeler
Explore how changes in rates, down payment, and term affect your mortgage. Compare scenarios side by side in real time.
Base Scenario
%
Rate Type
What If...
Adjustment: 0.00%
-1.00%0%+2.00%
Extra down payment: $0
$0+$50K+$100K
What if you choose a different term?
Extra amount paid once per year toward your principal
Side-by-Side Comparison
Current Plan
Modified Plan
Monthly Payment
$2,509.31
Monthly Payment
$2,509.31
Total Interest (5-yr term)
$87,980
Total Interest (5-yr term)
$87,980
Total Payments (5-yr term)
$150,559
Total Payments (5-yr term)
$150,559
Loan-to-Value
80.0%
Loan-to-Value
80.0%
CMHC Insurance
None
CMHC Insurance
None
Results are estimates using Canadian semi-annual compounding for fixed rates and monthly compounding for variable rates. Actual payments depend on lender terms and a full application review.