OntarioMortgageTools

Mortgage and legal calculators built for Ontario rules

Free calculators that apply Canadian and Ontario rules: semi-annual compounding, bank-style prepayment penalties, Mortgages Act power of sale timelines, 2026 land transfer tax rates and Rules of Civil Procedure deadlines.

Ontario Mortgage Payment CalculatorCalculate Canadian mortgage payments with semi-annual compounding: monthly, bi-weekly, weekly and accelerated options, balance at renewal and total interest. Mortgage Prepayment Penalty CalculatorEstimate your Canadian mortgage prepayment penalty: three months’ interest vs interest rate differential (IRD), including the bank posted-rate method. Power of Sale Reinstatement CalculatorOntario power of sale calculator: estimate the amount to reinstate a defaulted mortgage vs a full payout, with Mortgages Act notice of sale timelines. Ontario Land Transfer Tax CalculatorOntario land transfer tax calculator with Toronto MLTT 2026 rates and first-time buyer rebates up to $8,475. See the tax bracket by bracket. Ontario Court Deadline CalculatorCalculate Ontario civil court deadlines under the Rules of Civil Procedure: statement of defence, reply, appeals and motion records, with court holidays.

Guides

How to Stop a Power of Sale in OntarioYour options to stop or delay a power of sale in Ontario: reinstating the mortgage, refinancing, selling yourself, forbearance, and challenging a defective notice. What Happens After a Notice of Sale in OntarioStep-by-step timeline of an Ontario power of sale after the notice of sale: the 35-day period, lawsuit for possession, the sale, surplus funds and shortfalls. Served With a Mortgage Statement of Claim in OntarioHow to respond to a mortgage enforcement statement of claim in Ontario: the 20-day deadline, noting in default, common defences, and setting aside default judgment. Power of Sale vs Foreclosure in OntarioHow power of sale and foreclosure differ in Ontario: court involvement, timelines, who keeps the surplus, and which one lenders use and why.

Why another set of calculators?

Most online mortgage calculators are built for the US market. They compound interest monthly, ignore Canadian penalty formulas, and say nothing about Ontario's power of sale process or court rules. These tools are written for Ontario homeowners, buyers and people managing their own court files.

Every result is an estimate. Confirm figures with your lender's written statements, your lawyer, or the court before you act.