Calculators

Run the numbers before the conversation.

Built on Canadian mortgage rules and BC taxes, with every assumption shown. You don't sign up, and nothing is stored. When you want real figures, I'll bring in a licensed mortgage professional.

8 tools

Buying

What you can borrow, what a home really costs to close and carry, and when to buy.

Mortgage paymentPayment, interest and amortization at any frequency.

AffordabilityA quick maximum purchase price from income and debts.

QualificationThe detailed version: strata fees, first-time buyer and new-build rules.

Home purchaseCash to close plus the monthly cost of owning.

Closing costsBC property transfer tax, GST on new homes, legal and the rest.

Cost of waitingBuy now or wait: where each path leaves you in five years.

First Home Savings AccountContribution room, tax savings and growth toward a down payment.

Self-employed incomeHow different lenders read business income.

6 tools

Owning and renewing

Renewals, penalties, refinancing and what to do with spare cash.

Renewal savingsWhat a better renewal rate is worth over the term.

Mortgage penaltyThree months’ interest or the rate differential, and whether breaking pays.

Equity and refinanceLower rate, consolidate debts, take out equity: the real return.

Mortgage comparisonUp to four offers side by side over their terms.

Cash flow optimizerExtra cash: other debt, the mortgage, or investing?

Offset mortgageDoes an all-in-one account beat a standard renewal?

3 tools

Investing

Whether a rental pays, and what borrowed equity could do.

Rental cash flowNOI, cap rate, cash-on-cash and debt coverage.

Deal analyzerFive screening checks and a plain verdict.

Borrow to investThe after-tax cost of idle equity and what it could become.

1 tool

Selling

What you walk away with after the sale.

Sale proceedsWhat you walk away with after commission, payout and costs.

These calculators are educational illustrations, not advice and not an offer of credit. Figures are estimates from the inputs you enter and simplified rules; your lender's calculation, rates, fees, taxes and qualification will differ and are confirmed only by a licensed mortgage professional, lawyer or accountant. Mervin Truong is a licensed real estate professional, not a mortgage broker or financial advisor.

From estimate to plan

Want the real numbers?

I'll read the results with you against current listings and sales, then introduce a mortgage professional who can confirm what you qualify for.

Run the numbers before the conversation.Run the numbers before the conversation.