Scenario A
Your first mortgage structure
Payment frequency
Prepayments
Scenario B
Your alternative structure
Payment frequency
Prepayments
Total cost breakdown
Affordability check — 35% rule
5-year snapshot — at first renewal
Cumulative interest over time
This calculator provides estimates for educational purposes only. Results are based on the inputs provided and assume a fixed interest rate throughout the full amortization period.
CMHC premiums are calculated per current CMHC guidelines (effective December 2024). Actual mortgage terms, rates, and insurance requirements may vary.
Not financial advice. Consult a licensed mortgage professional before making any decisions. · growwithnav.com
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