Mortgage and investment planning, built for real decisions.
Compare complete Canadian mortgage scenarios, estimate cash required, test qualification ratios, and evaluate rental-property cash flow, returns and projected equity.
Build a complete purchase scenario.
Include financing, ownership costs, qualification ratios, prepayments and cash needed to close.
Total mortgage$0
Cash required$0
Debt-service ratios
Gross Debt Service0%
Total Debt Service0%
Balance by year
Accelerated payments can shorten repayment.
Accelerated weekly and bi-weekly schedules generally create the equivalent of roughly one extra monthly payment per year.
The lender may use a higher rate than your contract rate.
The ratios shown are educational estimates. Income, utilities, rental revenue and liabilities may be treated differently by the lender.
The down payment is only one part of the upfront cost.
Legal work, inspections, adjustments, insurance, moving, repairs and lender conditions can increase the funds required.
Saved mortgage scenarios
Measure income, risk and long-term equity.
Model financing, vacancy, operating expenses, growth assumptions and an estimated future sale.
Cash invested$0
Mortgage payment$0
After 5 years
Projected property value$0
Mortgage balance$0
Net sale proceeds$0
Projected IRR0%
Property equity vs. alternative investment
NOI and cap rate isolate the property before financing.
NOI deducts vacancy and entered operating expenses before mortgage payments. Cap rate relates that income to purchase price.
Cash-on-cash return measures annual cash flow against upfront cash.
It does not include tax, appreciation, capital repairs or principal reduction, all of which can materially change the outcome.
IRR combines estimated annual cash flows and future sale proceeds.
Appreciation, rent growth, vacancy and expenses are assumptions—not guarantees. Conservative scenarios are usually more useful.
Saved investment scenarios
Turn the estimate into a practical financing plan.
Mortgage qualification in Nunavut can involve leased land, down-payment assistance, appraisal requirements and remote document coordination. Atiilu’s Trusted Professionals page introduces Matthew Booth, a CIBC Mortgage Advisor with extensive Nunavut experience.
Planning estimates—not lending or investment advice
This tool provides educational illustrations based on the information entered. It is not a mortgage approval, commitment, appraisal, tax opinion, investment recommendation or guarantee. Rates, premiums, qualification rules, taxes, expenses and property values can change. Confirm all figures with the appropriate lender, insurer, accountant, lawyer and other qualified professionals before making a financial commitment.