MORTGAGE CALCULATOR

What Will It
Actually Cost?

Not just "monthly payment." A realistic number, with taxes, insurance, and CMHC baked in. Drag the sliders. See what happens. No email required to play.

Your Numbers.

Drag to change anything. Everything updates instantly.

Home Price
$450,000
Lethbridge avg: $469K
$150K$500K$900K$1.5M
Down Payment
$90,000
20% of home price
5%20%35%50%
Interest Rate
4.75%
5-year fixed avg
2%4%6%9%
Amortization
25 yrs
Standard for insured mortgages
Your Monthly Payment
$2,396

Principal + interest, taxes, insurance

Mortgage
$2,052
Property Tax
$274
Home Insurance
$70
CMHC (One-Time)
$0
Stress Test @ 6.75%Achievable

Payment at 6.75%: $2,831/mo. You'd need roughly $87,000 household income to qualify, based on standard 39% GDS ratio.

Where Your Money Goes.
Yr 1Yr 5Yr 10Yr 15Yr 20Yr 25
Interest
Principal
Total Interest$255,727

Try +$10K Down.

See what an extra $10,000 down does to your monthly payment, CMHC, and total interest. Spoiler: it adds up fast.

You've Been Playing With Numbers

Ready For The
Real Ones?

A calculator can show you what a payment might look like. It can't tell you what a lender will actually approve, or which house makes sense for your situation. That part takes real people, and we know a few good ones.

MORTGAGE REFERRAL

Point Me To A Good Broker.

We're not mortgage brokers, but we work alongside them every day and know who actually returns calls. Tell us where you're at and we'll introduce you to someone we trust.

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Take It From
Here.

Tell us roughly where you're at. If you need financing, we'll introduce you to a mortgage broker we trust. They handle the approval, not us. If you're ready to look at homes, that part we can help with directly.

  • An introduction to a mortgage broker we actually trust
  • No fee, no obligation, and no pressure to use anyone
  • A listing shortlist built around the budget you set
  • No obligation. Talk to a real person, not a bot.
Please Note

Red Door YQL is a real estate team under Onyx Realty Ltd. We are not a mortgage brokerage, lender, or financial advisor, and nothing here is financial advice or an offer of credit.

This calculator gives estimates only. Your actual payment depends on your lender, credit profile, taxes, insurance, and the terms you're approved for. The rates shown are adjustable defaults, not quoted or guaranteed rates.

A referral is simply an introduction to a licensed mortgage professional. Any approval, rate, or product decision is between you and that broker or lender, and you're free to work with anyone you choose.

Quick Details

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Your Estimate (Auto-Filled):
Home Price: $450,000
Down Payment: $90,000 (20%)
Rate: 4.75%
Amortization: 25 yrs
Est. Monthly Payment: $2,396

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