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Canada Loans Calculators

Free, localized loans planning tools updated for the 2026 financial year in Canada.

If you hold or want a Canadian mortgage, two newer rules matter. From 1 July 2026, OSFI exempts qualifying straight switches from the stress test at renewal. For eligible new homes, the housing-tax calculator now separates the federal first-time buyer rebate, Ontario's ENHR and Ontario's ONHAP payment. ONHAP fills only the federal HST left after other federal housing rebates; an HBP withdrawal is down-payment funding, not an additional tax rebate.

Available calculators

Calculator

New Home GST/HST Relief Calculator

Calculate federal new-home GST relief and, for eligible Ontario purchases, ENHR plus the ONHAP top-up after the federal rebate offset.

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Calculator

Canada OSFI Mortgage Stress Test Switch Exemption Checker (2026)

Check your eligibility for the OSFI mortgage stress test exemption on straight switch renewals and model qualifying rates vs contract rates.

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Government-Sourced DataAll calculators built from official regulatory sources by Galvin Mendonca, Software Engineer & Founder
Source links and illustrative assumptions appear on this page. Last reviewed July 2026.

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