Mortgage Calculators | Hoam Loans - Estimate Payments & Affordability

Get Pre-Qualified quickly

Answer a few easy questions and estimate the maximum purchase price you can afford. Our calculator evaluates all industry rules and lender guidelines to find your Maximum Purchase Price. You don't need a credit check to get pre-qualified.

Purchase Calculator

Calculate your monthly cost and the minimum required down payment.

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Mortgage Calculator

Easy to use Canadian Mortgage Calculator jam-packed with awesome features.

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Debt Service Calculator

Calculate debt service ratios with an incredible level of accuracy.

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Required Income

Estimate how much annual income you need for any size mortgage.

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Compare Side by Side

Compare up to four scenarios side by side to see which option is best for you.

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Maximum Mortgage

Calculate the Maximum Mortgage you can afford with an affordability slider.

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Renewal Calculator

Find out how much your payments will increase or decrease at renewal time.

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Closing Costs

Calculate closing costs including transfer taxes, first-time buyer rebates, new home rebates and ancillary costs.

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Land Transfer

Calculate your Ontario and Toronto land transfer taxes including apply the first-time home buyer rebates.

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Expert guidance

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First-Time Homebuyer Guide for the GTA

August 21, 2025

Guide to Getting Pre-Approved for a Mortgage in the GTA

Learn the steps to secure pre-approval and confidently start your home-buying journey.

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What to Do If Your Home Appraisal Comes in Low

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Explore competitive rates, flexible terms, and personalized solutions designed to fit your financial goals.

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