Canada Mortgage Calculator
5-Year Fixed · Bank of Canada · CAD
Mortgage Details
C$
C$
LTV: 90%
Typical: 5.2% (5-Year Fixed) · Bank of Canada
ℹ Canada: Canadian mortgages are typically fixed for 5 years with 25-year amortization. CMHC insurance required if down payment < 20%.
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📋 Mortgage Types
Fixed 5yr, Variable, HELOC, High-ratio, Conventional
🏦 Key Lenders
RBC, TD, Scotiabank, BMO, CIBC, National Bank, Desjardins
📊 Typical Down Payment
5% min (CMHC insured) · 20% conventional uninsured
💰 Extra Costs
CMHC premium 0.6-4%, land transfer tax, legal fees, HST
🏠 Avg Home Price
C$700,000 national · Toronto/Vancouver C$1M-$1.4M
📅 Rate Hold
90-120 days pre-approval · stress tested at contract+2%
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