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Mortgage Renewal Calculator (Ontario & Canada)
Compare your lender's renewal offer with another rate on the same balance.
Verified ownerFreeLaunching 9 May 2027
Votes revealed at 17:00 UTCVisit jenny.mortgage
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What it does
About Mortgage Renewal Calculator (Ontario & Canada)
Mortgage Renewal Calculator is a free tool for Canadian homeowners whose mortgage term is ending. Enter your remaining balance, amortization and the renewal rate your current lender offered, then add one other rate you were quoted elsewhere. The calculator shows both options side by side on the same balance: the monthly payment, the total interest over the term, the balance still owing at the end of the term, and how many payments it takes to recover any cost of switching lenders. It uses Canadian semi-annual compounding, so the numbers match how Canadian mortgages are actually calculated. There is no sign-up and nothing to download. It was built by Jenny Tate, a Mortgage Agent Level 1 with Tango Financial in Burlington, Ontario, to help people check a renewal offer before they sign it.
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