{"id":48,"date":"2022-05-05T14:14:52","date_gmt":"2022-05-05T18:14:52","guid":{"rendered":"http:\/\/meilleures-hypotheques.ca\/calculatrice-hypothecaire\/"},"modified":"2026-04-14T18:10:24","modified_gmt":"2026-04-14T22:10:24","slug":"mortgage-calculator","status":"publish","type":"page","link":"https:\/\/xperto-plus.devyent.ca\/en\/mortgage-calculator\/","title":{"rendered":"Mortgage Calculator"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-48\" data-postid=\"48\" class=\"themify_builder_content themify_builder_content-48 themify_builder tf_clear\">\n                    <div  data-parallax-bg=\"tablet\" data-css_id=\"op7b92\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_op7b92 tb_first tf_w\">\n                        <div class=\"row_inner col_align_middle tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-2 tb_6sgr93 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_g4ex93    wow\" data-tf-animation=\"fadeInUp\" data-lazy=\"1\" data-lax-translate-y=\"(vh*0.3) 0,(vh*0.1) -70\" data-lax-opacity=\"(vh*0.3) 1,(vh*0) 0\" data-lax=\"true\">\n        <div  class=\"tb_text_wrap\">\n        <h1 class=\"page-title\" style=\"text-align: left;\">Mortgage Calculator<\/h1>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-2 tb_6koe93 last\">\n                            <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_w16o872 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_e5xh872 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_1kd3872   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>Calculate your mortgage payments according to your borrowing capacity<\/h2>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"l2gw668\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_l2gw668 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_5mcr675 first\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_faiq676 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-3266 themify_builder not_editable_builder in_the_loop\" data-postid=\"3266\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_vulk744 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_ttvy744 first\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_pbby744 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <div id=\"calculator\"><\/div>\n<script type=\"text\/javascript\">\njQuery().ready(function() {\n\tjQuery( \"#calculator\" ).load( \"https:\/\/components.devyent.ca\/hypothecaire\/calculator.php?version=xperto-vh&lang=en-dominion&contact_btn=\/contact-us\/\");\n});\n<\/script>    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n    <\/div>\n<\/div>\n<!-- \/module plain text -->        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_qn8a702\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_smmx708 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_7j32795   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><span class=\"legal\">*These figures and calculations are for information only and cannot be used for contractual purposes. Certain conditions apply. Subject to change without notice.<\/span><\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"lx47722\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth tb_lx47722 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_548x723 first\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_2ak9724 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h5 class=\"current-date\"id=\"date\"><\/h5>\n    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_zzpw724 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <div id=\"response\" style=\"display:none;\"><\/div>\n<script>\n    var Vjson = \"\";\n    var taux1 = \"k\";\n    var today = new Date();\n    var dd = today.getDate();\n    var mm = today.getMonth() + 1; \/\/January is 0!\n    var yyyy = today.getFullYear();\n    if (dd < 10) {\n        dd = '0' + dd;\n    }\n    if (document.documentElement.lang == 'en-CA') {\n        var month = 'January';\n        switch (mm) {\n            case 1:\n                month = 'January';\n                break;\n            case 2:\n                month = 'February';\n                break;\n            case 3:\n                month = 'March';\n                break;\n            case 4:\n                month = 'April';\n                break;\n            case 5:\n                month = 'May';\n                break;\n            case 6:\n                month = 'June';\n                break;\n            case 7:\n                month = 'July';\n                break;\n            case 8:\n                month = 'August';\n                break;\n            case 9:\n                month = 'September';\n                break;\n            case 10:\n                month = 'October';\n                break;\n            case 11:\n                month = 'November';\n                break;\n            case 12:\n                month = 'December';\n                break;\n        }\n        var neew = document.getElementById('date');\n        neew.innerHTML = 'Updated to ' + dd + ' ' + month + ' ' + yyyy;\n        var textDown = document.getElementById('text_bottom');\n        const url = \"https:\/\/components.devyent.ca\/hypothecaire\/rates.php\";\n        fetch(url)\n            .then(response => response.json())\n            .then(data => {\n                document.getElementById('taux1').innerHTML = data.best_rates[1].MPH + ' ' + '%';\n                document.getElementById('years_fiexe1').innerHTML = data.best_rates[1].ProdNameEn + ' fixed';\n                document.getElementById('tax_total1').innerHTML = data.best_rates[1].Posted + ' ' + '%';\n                document.getElementById('taux2').innerHTML = data.best_rates[3].MPH + ' ' + '%';\n                document.getElementById('years_fiexe2').innerHTML = data.best_rates[3].ProdNameEn + ' fixed';\n                document.getElementById('tax_total2').innerHTML = data.best_rates[3].Posted + ' ' + '%';\n                document.getElementById('taux3').innerHTML = data.best_rates[5].MPH + ' ' + '%';\n                document.getElementById('years_fiexe3').innerHTML = data.best_rates[5].ProdNameEn + ' fixed';\n                document.getElementById('tax_total3').innerHTML = data.best_rates[5].Posted + ' ' + '%';\n                document.getElementById('taux4').innerHTML = data.best_rates[0].MPH + ' ' + '%';\n                document.getElementById('years_fiexe4').innerHTML = data.best_rates[0].ProdNameEn;\n                document.getElementById('tax_total4').innerHTML = data.best_rates[0].Posted + ' ' + '%';\n            });\n    } else {\n        var month = 'janvier';\n        switch (mm) {\n            case 1:\n                month = 'janvier';\n                break;\n            case 2:\n                month = 'f\u00e9vrier';\n                break;\n            case 3:\n                month = 'mars';\n                break;\n            case 4:\n                month = 'avril';\n                break;\n            case 5:\n                month = 'mai';\n                break;\n            case 6:\n                month = 'juin';\n                break;\n            case 7:\n                month = 'juillet';\n                break;\n            case 8:\n                month = 'ao\u00fbt';\n                break;\n            case 9:\n                month = 'septembre';\n                break;\n            case 10:\n                month = 'octobre';\n                break;\n            case 11:\n                month = 'novembre';\n                break;\n            case 12:\n                month = 'd\u00e9cembre';\n                break;\n        }\n        var neew = document.getElementById('date');\n        neew.innerHTML = 'En date du ' + dd + ' ' + month + ' ' + yyyy;\n        const url = \"https:\/\/components.devyent.ca\/hypothecaire\/rates.php\";\n        fetch(url)\n            .then(response => response.json())\n            .then(data => {\n                document.getElementById('taux1').innerHTML = data.best_rates[1].MPH + ' ' + '%';\n                document.getElementById('years_fiexe1').innerHTML = data.best_rates[1].ProdNameFr + ' fixe';\n                document.getElementById('tax_total1').innerHTML = data.best_rates[1].Posted + ' ' + '%';\n                document.getElementById('taux2').innerHTML = data.best_rates[3].MPH + ' ' + '%';\n                document.getElementById('years_fiexe2').innerHTML = data.best_rates[3].ProdNameFr + ' fixe';\n                document.getElementById('tax_total2').innerHTML = data.best_rates[3].Posted + ' ' + '%';\n                document.getElementById('taux3').innerHTML = data.best_rates[5].MPH + ' ' + '%';\n                document.getElementById('years_fiexe3').innerHTML = data.best_rates[5].ProdNameFr + ' fixe';\n                document.getElementById('tax_total3').innerHTML = data.best_rates[5].Posted + ' ' + '%';\n                document.getElementById('taux4').innerHTML = data.best_rates[0].MPH + ' ' + '%';\n                document.getElementById('years_fiexe4').innerHTML = data.best_rates[0].ProdNameFr;\n                document.getElementById('tax_total4').innerHTML = data.best_rates[0].Posted + ' ' + '%';\n            });\n    }\n<\/script>    <\/div>\n<\/div>\n<!-- \/module plain text -->        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top gutter-none tb_col_count_5 tb_5t7v568\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_mc05569 first\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_ctkf569  hide-tablet hide-mobile\" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"taux_multi_green\">Rate Xperto Mortgages<\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_0uqu569  hide-tablet hide-mobile\" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"taux_multi_white\">Rates displayed<\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_boob569\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_jjwe569 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h2 class=\"taux-hypothecaire\"id=\"taux1\"><\/h2>\n    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_9g44569    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_j96g569 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"years_fiexe1\"class=\"year1\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_8f6o569 buttons-horizontal outline botones \" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx orange\"  id=\"btn\">\n                                                Get this rate                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_excs569 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"tax_total1\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_tde0569    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Taux affich\u00e9s<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_fzt9569\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_d79v569 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h2 class=\"taux-hypothecaire\"id=\"taux2\"><\/h2>\n    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_trcf569    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_jd81570 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"years_fiexe2\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_jlve570 buttons-horizontal outline botones \" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx orange\"  id=\"btn\">\n                                                Get this rate                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_7fah570 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"tax_total2\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_tc3w570    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Taux affich\u00e9s<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_dlj6570\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_ysgz570 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h2 class=\"taux-hypothecaire\"id=\"taux3\"><\/h2>\n    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_hl2w570    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_uqxs570 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"years_fiexe3\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_q42l570 buttons-horizontal outline botones \" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx orange\"  id=\"btn\">\n                                                Get this rate                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_bvxb570 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"tax_total3\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_3nlp570    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Taux affich\u00e9s<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_uann570 last\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_xkj8570 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h2 class=\"taux-hypothecaire\"id=\"taux4\"><\/h2>\n    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_5ymu570    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module plain text -->\n<div  class=\"module module-plain-text tb_tkzj570 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"years_fiexe4\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_5se9570 buttons-horizontal outline botones \" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx orange\"  id=\"btn\">\n                                                Get this rate                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_b5pu570 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <h3 id=\"tax_total4\"><\/h3>    <\/div>\n<\/div>\n<!-- \/module plain text --><!-- module text -->\n<div  class=\"module module-text tb_hwio570    hide-desktop hide-tablet_landscape\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Taux affich\u00e9s<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_da5t731\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_s2l6731 first\">\n                    <!-- module buttons -->\n<div  class=\"module module-buttons tb_2tl4731 buttons-horizontal solid btn  tb_gs408627\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx transparent\" >\n                                                Get your rate                                        <em><svg  class=\"tf_fa tf-ti-angle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-right\" xlink:href=\"#tf-ti-angle-right\"><\/use><\/svg><\/em>                            <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_4qgs731 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <p id=\"text_bottom\">* Certain conditions may apply. Subject to change without notice. Rates may vary depending on the amount borrowed, guarantees offered or other factors. Please refer to your broker Yves St-Denis for more details.<\/p>    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"63us668\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_63us668 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_t79i680 first\">\n                    <!-- module fancy heading -->\n<div  class=\"module module-fancy-heading tb_ris7579  inline-fancy-heading tb_hide_divider\" data-lazy=\"1\">\n        <h2 class=\"fancy-heading\">\n    <span class=\"main-head tf_inline_b\">\n                    Find the right mortgage            <\/span>\n\n    \n    <span class=\"sub-head tf_inline_b tf_rel\">\n                    To your needs            <\/span>\n    <\/h2>\n<\/div>\n<!-- \/module fancy heading -->\n<!-- module text -->\n<div  class=\"module module-text tb_r4cp681   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>We compare the most competitive banks and lenders in Canada for you free of charge, so you can get the best mortgage rates available today. At the top of this page, you will find the best mortgage rates in Canada. These are the latest and lowest available interest rates, and they are updated in real time. In a few simple steps, request a mortgage estimate to learn more about the rate you may be eligible for. You do not have to engage in this procedure, and it is completely free.<\/p>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module accordion -->\n<div  class=\"module module-accordion tb_mn94101 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate rounded tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-mn94101-0\" class=\"tb_title_accordion\" aria-controls=\"acc-mn94101-0-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-down\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-down\" xlink:href=\"#tf-ti-arrow-circle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-up\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-up\" xlink:href=\"#tf-ti-arrow-circle-up\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">Factors that may have an impact on your mortgage interest rate<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-mn94101-0-content\" data-id=\"acc-mn94101-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_416z101\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_0584101 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_q8yg101   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>It is important to keep in mind that the best mortgage rate to which you are entitled may change depending on factors specific to your borrowing situation. Here are some of the factors that determine the mortgage rate you are eligible for:<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-mn94101-1\" class=\"tb_title_accordion\" aria-controls=\"acc-mn94101-1-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-down\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-down\" xlink:href=\"#tf-ti-arrow-circle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-up\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-up\" xlink:href=\"#tf-ti-arrow-circle-up\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">The type of mortgage<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-mn94101-1-content\" data-id=\"acc-mn94101-1\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_1m9s101\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_0x2v101 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_peib101   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>You will pay a higher rate if you refinance instead of buying or renewing your mortgage. Instead of refinancing, people who currently have a mortgage, who have good credit and who have repaid more than 20% of the value of their home can choose to consider a home value credit line.<\/p>\n<p>If you buy a house with a down payment of less than 20% of the purchase price and the value of the property is less than $1 million, you will need mortgage insurance (HCHC insurance). This insurance is separate from your mortgage and, while more expensive, will help you get a lower mortgage rate by making your loan less risky for your lender. If you renew your mortgage, you will only be able to get the best rates if your first mortgage was provided by the Canadian Mortgage and Housing Corporation (CMHC).<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-mn94101-2\" class=\"tb_title_accordion\" aria-controls=\"acc-mn94101-2-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-down\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-down\" xlink:href=\"#tf-ti-arrow-circle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-up\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-up\" xlink:href=\"#tf-ti-arrow-circle-up\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">The intended use of the property<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-mn94101-2-content\" data-id=\"acc-mn94101-2\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_qbqv101\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_luqf101 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_6oiw101   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>If you plan to rent your house rather than live there, your mortgage rate will be higher.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-mn94101-3\" class=\"tb_title_accordion\" aria-controls=\"acc-mn94101-3-content\" aria-expanded=\"false\">\n                    <i class=\"accordion-icon\"><svg  class=\"tf_fa tf-ti-arrow-circle-down\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-down\" xlink:href=\"#tf-ti-arrow-circle-down\"><\/use><\/svg><\/i>                    <i class=\"accordion-active-icon tf_hide\"><svg  class=\"tf_fa tf-ti-arrow-circle-up\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-arrow-circle-up\" xlink:href=\"#tf-ti-arrow-circle-up\"><\/use><\/svg><\/i>                    <span class=\"accordion-title-wrap\">Your depreciation<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-mn94101-3-content\" data-id=\"acc-mn94101-3\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_6i5y101\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_00h6101 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_bsaq101   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>Insurable mortgages in Canada have an amortization term of 25 years (i.e. mortgages for homes valued at less than $1 million with a down payment of less than 20%). If you pay a down payment of at least 20% on a property, you could get a mortgage with a longer amortization period, for example 30 years, regardless of the price. A longer amortization period generally results in lower monthly payments, but also in a higher interest rate. In fact, waiting longer to repay your mortgage will cost you more in interest than repaying it earlier.<\/p>\n<p>Choose the mortgage that offers you the best interest rate.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                    <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"2uab667\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_2uab667 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_64ih667 first\">\n                    <!-- module fancy heading -->\n<div  class=\"module module-fancy-heading tb_5i0n563  inline-fancy-heading tb_hide_divider\" data-lazy=\"1\">\n        <h2 class=\"fancy-heading\">\n    <span class=\"main-head tf_inline_b\">\n                    Is it better to have a mortgage rate            <\/span>\n\n    \n    <span class=\"sub-head tf_inline_b tf_rel\">\n                    Variable or fixed?            <\/span>\n    <\/h2>\n<\/div>\n<!-- \/module fancy heading -->\n<!-- module text -->\n<div  class=\"module module-text tb_aiq7703   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p>The difference between fixed and variable mortgage rates lies in the fact that the interest rate varies over time or remains constant. Fixed rates remain the same throughout the term of your loan, but variable rates vary according to your lender&#8217;s preferred rate (usually 5 years).\u00a0<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_2 tb_6j5c820\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column tb_0w36822 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_slev89   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4><strong>Fixed mortgage rates:<\/strong><\/h4>\n<p>Fixed mortgage rates are preferred by borrowers because they are more predictable. In reality, fixed mortgage rates over 5 years will account for about 46% of all new mortgages in 2020. A fixed-rate mortgage protects you from interest rate fluctuations by ensuring that your monthly payments remain stable throughout the term of your loan, regardless of market fluctuations. A fixed-rate mortgage is the ideal option for you if you have a low appetite for risk. You won&#8217;t have to worry about interest rates, because you will know your monthly payments from the start. <\/p>\n    <\/div>\n<\/div>\n<!-- \/module text --><!-- module image -->\n<div  class=\"module module-image tb_kewz538 image-top   tf_mw\" data-lazy=\"1\">\n        <div class=\"image-wrap tf_rel tf_mw\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"852\" src=\"https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information.jpg\" class=\"wp-post-image wp-image-163\" title=\"Mortgage rates business concept of investment housing  real estate interest rates\" alt=\"Taux hypoth\u00e9caires concept commercial de l\u2019immobilier d\u2019investissement taux d\u2019int\u00e9r\u00eat immobilier\" srcset=\"https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information.jpg 1280w, https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information-300x200.jpg 300w, https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information-1024x682.jpg 1024w, https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information-768x511.jpg 768w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/>    \n        <\/div>\n    <!-- \/image-wrap -->\n    \n        <\/div>\n<!-- \/module image -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column tb_kjvi823 last\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_dy1596   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h4><strong>Fluctuation of mortgage rates:<\/strong><\/h4>\n<p>Fixed mortgage rates are often more expensive than variable mortgage rates. However, they may vary during the duration of your loan. The amount you pay on a variable mortgage is affected by changes in the market (through the preferential rate), which affects the amount you pay. Therefore, the amount of your payment may vary over time. As fixed rates increase in 2022, variable rates have become more tempting, prompting more potential buyers to opt for 5-year variable rate mortgages.<\/p>\n<p>Variable rates are generally cheaper than fixed rates, but they are more volatile and can be considered more risky. Variable mortgage rates, on the other hand, offer some key advantages to consider:<\/p>\n<p>You can change your variable rate to a fixed rate at any time, as long as you stay with your original mortgage provider.<\/p>\n<p>It is much less expensive to get rid of a variable rate mortgage than a fixed-rate loan. Our mortgage penalty calculator can help you determine the cost of repaying your mortgage.<\/p>\n<p>According to a key study published in 2001 by Professor Moshe Milevsky of York University, more than 90% of Canadian borrowers who had a variable rate mortgage for the duration of their loan paid less interest than those who had a fixed rate. <\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <\/div>\n                <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_2 tb_k103335\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col4-2 tb_qldk335 first\">\n                            <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col4-2 tb_73ji336 last\">\n                    <!-- module buttons -->\n<div  class=\"module module-buttons tb_82f954 buttons-horizontal solid btn  tb_gs408627\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/obtenir-mon-taux\/\" class=\"ui builder_button tf_in_flx transparent\" >\n                                                Get your rate                                        <em><svg  class=\"tf_fa tf-ti-angle-right\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-right\" xlink:href=\"#tf-ti-angle-right\"><\/use><\/svg><\/em>                            <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-anchor=\"AppelRapide\" data-lazy=\"1\" class=\"module_row themify_builder_row tb_has_section tb_section-AppelRapide tb_2lyi426 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_kozq427 first\">\n                    <!-- module fancy heading -->\n<div  class=\"module module-fancy-heading tb_3pjg94  inline-fancy-heading tb_hide_divider\" data-lazy=\"1\">\n        <h2 class=\"fancy-heading tf_textl\">\n    <span class=\"main-head tf_inline_b\">\n                    Get a phone callback            <\/span>\n\n    \n    <span class=\"sub-head tf_inline_b tf_rel\">\n                    Very fast            <\/span>\n    <\/h2>\n<\/div>\n<!-- \/module fancy heading -->\n<!-- module plain text -->\n<div  class=\"module module-plain-text tb_yaba754 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-1027 themify_builder not_editable_builder in_the_loop\" data-postid=\"1027\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_448z621 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_r3fl622 first\">\n                    <!-- module plain text -->\n<div  class=\"module module-plain-text tb_crl2622 \" data-lazy=\"1\">\n        <div class=\"tb_text_wrap\">\n    <div id=\"call_form\"><\/div>\n<script type=\"text\/javascript\">\njQuery().ready(function() {\njQuery('#call_form').call_form('en', true, false, 'version=xperto');\n});\n<\/script>    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n    <\/div>\n<\/div>\n<!-- \/module plain text -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Mortgage Calculator<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-48","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Multi-Prets Mortgage Payment Calculator<\/title>\n<meta name=\"description\" content=\"Use our Xperto mortgage payment calculator to better evaluate your payments according to various criteria!\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Multi-Prets Mortgage Payment Calculator\" \/>\n<meta property=\"og:description\" content=\"Use our Xperto mortgage payment calculator to better evaluate your payments according to various criteria!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/xperto-plus.devyent.ca\/en\/mortgage-calculator\/\" \/>\n<meta property=\"og:site_name\" content=\"Martin Charbonneau\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-14T22:10:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"852\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/mortgage-calculator\\\/\",\"url\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/mortgage-calculator\\\/\",\"name\":\"Multi-Prets Mortgage Payment Calculator\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/mortgage-calculator\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/mortgage-calculator\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/mortgage-rates-information.jpg\",\"datePublished\":\"2022-05-05T18:14:52+00:00\",\"dateModified\":\"2026-04-14T22:10:24+00:00\",\"description\":\"Use our Xperto mortgage payment calculator to better evaluate your payments according to various criteria!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/mortgage-calculator\\\/#breadcrumb\"},\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/mortgage-calculator\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/mortgage-calculator\\\/#primaryimage\",\"url\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/mortgage-rates-information.jpg\",\"contentUrl\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/wp-content\\\/uploads\\\/2022\\\/05\\\/mortgage-rates-information.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/mortgage-calculator\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mortgage Calculator\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/\",\"name\":\"Martin Charbonneau\",\"description\":\"Courtier Hypoth\u00e9caire\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/xperto-plus.devyent.ca\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Multi-Prets Mortgage Payment Calculator","description":"Use our Xperto mortgage payment calculator to better evaluate your payments according to various criteria!","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Multi-Prets Mortgage Payment Calculator","og_description":"Use our Xperto mortgage payment calculator to better evaluate your payments according to various criteria!","og_url":"https:\/\/xperto-plus.devyent.ca\/en\/mortgage-calculator\/","og_site_name":"Martin Charbonneau","article_modified_time":"2026-04-14T22:10:24+00:00","og_image":[{"width":1280,"height":852,"url":"https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/xperto-plus.devyent.ca\/en\/mortgage-calculator\/","url":"https:\/\/xperto-plus.devyent.ca\/en\/mortgage-calculator\/","name":"Multi-Prets Mortgage Payment Calculator","isPartOf":{"@id":"https:\/\/xperto-plus.devyent.ca\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/xperto-plus.devyent.ca\/en\/mortgage-calculator\/#primaryimage"},"image":{"@id":"https:\/\/xperto-plus.devyent.ca\/en\/mortgage-calculator\/#primaryimage"},"thumbnailUrl":"https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information.jpg","datePublished":"2022-05-05T18:14:52+00:00","dateModified":"2026-04-14T22:10:24+00:00","description":"Use our Xperto mortgage payment calculator to better evaluate your payments according to various criteria!","breadcrumb":{"@id":"https:\/\/xperto-plus.devyent.ca\/en\/mortgage-calculator\/#breadcrumb"},"inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/xperto-plus.devyent.ca\/en\/mortgage-calculator\/"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/xperto-plus.devyent.ca\/en\/mortgage-calculator\/#primaryimage","url":"https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information.jpg","contentUrl":"https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/xperto-plus.devyent.ca\/en\/mortgage-calculator\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/xperto-plus.devyent.ca\/en\/"},{"@type":"ListItem","position":2,"name":"Mortgage Calculator"}]},{"@type":"WebSite","@id":"https:\/\/xperto-plus.devyent.ca\/en\/#website","url":"https:\/\/xperto-plus.devyent.ca\/en\/","name":"Martin Charbonneau","description":"Courtier Hypoth\u00e9caire","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/xperto-plus.devyent.ca\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"}]}},"builder_content":"<h1 style=\"text-align: left;\">Mortgage Calculator<\/h1>\n<h2>Calculate your mortgage payments according to your borrowing capacity<\/h2>\n[themify_layout_part id=\"1693\"]\n<p>*These figures and calculations are for information only and cannot be used for contractual purposes. Certain conditions apply. Subject to change without notice.<\/p>\n<h5id=\"date\"><\/h5>\n\n<h3 id=\"taux_multi_green\">Rate Xperto Mortgages<\/h3>\n<h3 id=\"taux_multi_white\">Rates displayed<\/h3>\n<h2id=\"taux1\"><\/h2>\n<p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n<h3 id=\"years_fiexe1\"class=\"year1\"><\/h3>\n<a href=\"\/en\/obtenir-mon-taux\/\" id=\"btn\"> Get this rate <\/a>\n<h3 id=\"tax_total1\"><\/h3>\n<p>Taux affich\u00e9s<\/p>\n<h2id=\"taux2\"><\/h2>\n<p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n<h3 id=\"years_fiexe2\"><\/h3>\n<a href=\"\/en\/obtenir-mon-taux\/\" id=\"btn\"> Get this rate <\/a>\n<h3 id=\"tax_total2\"><\/h3>\n<p>Taux affich\u00e9s<\/p>\n<h2id=\"taux3\"><\/h2>\n<p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n<h3 id=\"years_fiexe3\"><\/h3>\n<a href=\"\/en\/obtenir-mon-taux\/\" id=\"btn\"> Get this rate <\/a>\n<h3 id=\"tax_total3\"><\/h3>\n<p>Taux affich\u00e9s<\/p>\n<h2id=\"taux4\"><\/h2>\n<p style=\"text-align: center;\">Rate Xperto Mortgages<\/p>\n<h3 id=\"years_fiexe4\"><\/h3>\n<a href=\"\/en\/obtenir-mon-taux\/\" id=\"btn\"> Get this rate <\/a>\n<h3 id=\"tax_total4\"><\/h3>\n<p>Taux affich\u00e9s<\/p>\n<a href=\"\/en\/obtenir-mon-taux\/\" > Get your rate <em><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-right\" xlink:href=\"#tf-ti-angle-right\"><\/use><\/svg><\/em> <\/a>\n<p id=\"text_bottom\">* Certain conditions may apply. Subject to change without notice. Rates may vary depending on the amount borrowed, guarantees offered or other factors. Please refer to your broker Yves St-Denis for more details.<\/p>\n<h2>Find the right mortgage<br\/>To your needs<\/h2>\n<p>We compare the most competitive banks and lenders in Canada for you free of charge, so you can get the best mortgage rates available today. At the top of this page, you will find the best mortgage rates in Canada. These are the latest and lowest available interest rates, and they are updated in real time. In a few simple steps, request a mortgage estimate to learn more about the rate you may be eligible for. You do not have to engage in this procedure, and it is completely free.<\/p>\n<ul><li><h4>Factors that may have an impact on your mortgage interest rate<\/h4><p>It is important to keep in mind that the best mortgage rate to which you are entitled may change depending on factors specific to your borrowing situation. Here are some of the factors that determine the mortgage rate you are eligible for:<\/p><\/li><li><h4>The type of mortgage<\/h4><p>You will pay a higher rate if you refinance instead of buying or renewing your mortgage. Instead of refinancing, people who currently have a mortgage, who have good credit and who have repaid more than 20% of the value of their home can choose to consider a home value credit line.<\/p> <p>If you buy a house with a down payment of less than 20% of the purchase price and the value of the property is less than $1 million, you will need mortgage insurance (HCHC insurance). This insurance is separate from your mortgage and, while more expensive, will help you get a lower mortgage rate by making your loan less risky for your lender. If you renew your mortgage, you will only be able to get the best rates if your first mortgage was provided by the Canadian Mortgage and Housing Corporation (CMHC).<\/p><\/li><li><h4>The intended use of the property<\/h4><p>If you plan to rent your house rather than live there, your mortgage rate will be higher.<\/p><\/li><li><h4>Your depreciation<\/h4><p>Insurable mortgages in Canada have an amortization term of 25 years (i.e. mortgages for homes valued at less than $1 million with a down payment of less than 20%). If you pay a down payment of at least 20% on a property, you could get a mortgage with a longer amortization period, for example 30 years, regardless of the price. A longer amortization period generally results in lower monthly payments, but also in a higher interest rate. In fact, waiting longer to repay your mortgage will cost you more in interest than repaying it earlier.<\/p> <p>Choose the mortgage that offers you the best interest rate.<\/p><\/li><\/ul>\n<p>It is important to keep in mind that the best mortgage rate to which you are entitled may change depending on factors specific to your borrowing situation. Here are some of the factors that determine the mortgage rate you are eligible for:<\/p>\n<p>You will pay a higher rate if you refinance instead of buying or renewing your mortgage. Instead of refinancing, people who currently have a mortgage, who have good credit and who have repaid more than 20% of the value of their home can choose to consider a home value credit line.<\/p> <p>If you buy a house with a down payment of less than 20% of the purchase price and the value of the property is less than $1 million, you will need mortgage insurance (HCHC insurance). This insurance is separate from your mortgage and, while more expensive, will help you get a lower mortgage rate by making your loan less risky for your lender. If you renew your mortgage, you will only be able to get the best rates if your first mortgage was provided by the Canadian Mortgage and Housing Corporation (CMHC).<\/p>\n<p>If you plan to rent your house rather than live there, your mortgage rate will be higher.<\/p>\n<p>Insurable mortgages in Canada have an amortization term of 25 years (i.e. mortgages for homes valued at less than $1 million with a down payment of less than 20%). If you pay a down payment of at least 20% on a property, you could get a mortgage with a longer amortization period, for example 30 years, regardless of the price. A longer amortization period generally results in lower monthly payments, but also in a higher interest rate. In fact, waiting longer to repay your mortgage will cost you more in interest than repaying it earlier.<\/p> <p>Choose the mortgage that offers you the best interest rate.<\/p>\n<h2>Is it better to have a mortgage rate<br\/>Variable or fixed?<\/h2>\n<p>The difference between fixed and variable mortgage rates lies in the fact that the interest rate varies over time or remains constant. Fixed rates remain the same throughout the term of your loan, but variable rates vary according to your lender's preferred rate (usually 5 years).\u00a0<\/p>\n<h4><strong>Fixed mortgage rates:<\/strong><\/h4> <p>Fixed mortgage rates are preferred by borrowers because they are more predictable. In reality, fixed mortgage rates over 5 years will account for about 46% of all new mortgages in 2020. A fixed-rate mortgage protects you from interest rate fluctuations by ensuring that your monthly payments remain stable throughout the term of your loan, regardless of market fluctuations. A fixed-rate mortgage is the ideal option for you if you have a low appetite for risk. You won't have to worry about interest rates, because you will know your monthly payments from the start. <\/p>\n<img src=\"https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information.jpg\" title=\"Mortgage rates business concept of investment housing real estate interest rates\" alt=\"Taux hypoth\u00e9caires concept commercial de l\u2019immobilier d\u2019investissement taux d\u2019int\u00e9r\u00eat immobilier\" srcset=\"https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information.jpg 1280w, https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information-300x200.jpg 300w, https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information-1024x682.jpg 1024w, https:\/\/xperto-plus.devyent.ca\/wp-content\/uploads\/2022\/05\/mortgage-rates-information-768x511.jpg 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/>\n<h4><strong>Fluctuation of mortgage rates:<\/strong><\/h4> <p>Fixed mortgage rates are often more expensive than variable mortgage rates. However, they may vary during the duration of your loan. The amount you pay on a variable mortgage is affected by changes in the market (through the preferential rate), which affects the amount you pay. Therefore, the amount of your payment may vary over time. As fixed rates increase in 2022, variable rates have become more tempting, prompting more potential buyers to opt for 5-year variable rate mortgages.<\/p> <p>Variable rates are generally cheaper than fixed rates, but they are more volatile and can be considered more risky. Variable mortgage rates, on the other hand, offer some key advantages to consider:<\/p> <p>You can change your variable rate to a fixed rate at any time, as long as you stay with your original mortgage provider.<\/p> <p>It is much less expensive to get rid of a variable rate mortgage than a fixed-rate loan. Our mortgage penalty calculator can help you determine the cost of repaying your mortgage.<\/p> <p>According to a key study published in 2001 by Professor Moshe Milevsky of York University, more than 90% of Canadian borrowers who had a variable rate mortgage for the duration of their loan paid less interest than those who had a fixed rate. <\/p>\n<a href=\"\/en\/obtenir-mon-taux\/\" > Get your rate <em><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" aria-hidden=\"true\"><use href=\"#tf-ti-angle-right\" xlink:href=\"#tf-ti-angle-right\"><\/use><\/svg><\/em> <\/a>\n<h2>Quick request online<\/h2> <p>Simply fill out this form and receive the best offers with the best rates and conditions in less than 24 hours according to your situation. <\/p>\n[themify_layout_part id=\"1006\"]\n<h2>Get a phone callback<br\/>Very fast<\/h2>\n[themify_layout_part id=\"1027\"]","_links":{"self":[{"href":"https:\/\/xperto-plus.devyent.ca\/en\/wp-json\/wp\/v2\/pages\/48","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xperto-plus.devyent.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/xperto-plus.devyent.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/xperto-plus.devyent.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/xperto-plus.devyent.ca\/en\/wp-json\/wp\/v2\/comments?post=48"}],"version-history":[{"count":14,"href":"https:\/\/xperto-plus.devyent.ca\/en\/wp-json\/wp\/v2\/pages\/48\/revisions"}],"predecessor-version":[{"id":3280,"href":"https:\/\/xperto-plus.devyent.ca\/en\/wp-json\/wp\/v2\/pages\/48\/revisions\/3280"}],"wp:attachment":[{"href":"https:\/\/xperto-plus.devyent.ca\/en\/wp-json\/wp\/v2\/media?parent=48"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}