Mortgage Calculator

Canadian rates · CMHC insurance · GDS ratio · 2026

Loan Details
$650,000
$130,000
20% of purchase price · min $40,000
4.9%
Current 5-yr fixed average (2026)
25 yrs
Monthly Payment
$3,548/mo
Mortgage $3,007 + property tax $542
Principal$888
Interest$2,119
Property tax$542
GDS Ratio
Gross Debt Service · based on $105K income
40.6%
High
0%32% (healthy)39%50%+
Full Picture
Purchase price
$650,000
Down payment
$130,000
20% down
Mortgage amount
$520,000
Total paid
$901,991
over 25 years
Total interest
$381,991
Interest ratio
42.3%
of total paid
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