Free Tool · BC First-Time Buyers

BC Mortgage
Calculator

Canadian semi-annual compounding math, CMHC insurance, BC Property Transfer Tax, and stress test — all in one place.

Your Numbers

$150,000.00 · 20.0% of purchase price · No CMHC required
Monthly Payment
$3,486.22
Monthly · 25-year amortization · 4.99%
Purchase Price$750,000
Down Payment$150,000 (20.0%)
Total Mortgage$600,000
Total Interest Paid$445,865
BC Property Transfer Tax$13,000
PTT Owed$13,000
Est. Closing Costs$15,000
Stress Test
Qualifying rate: 6.99% (contract + 2% or 5.25%, whichever is higher)
You must qualify at $4,198.79/mo to pass stress test.

Send Your Info to Cale

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Cale Nahorney
REALTOR® · Royal LePage Kelowna · Kelowna, BC
📞 (250) 863-7780✉️ calenahorney@icloud.com

© 2026 Cale Nahorney · REALTOR® · Royal LePage Kelowna · Kelowna, BC

This calculator is for informational purposes only and does not constitute financial or mortgage advice. Results are estimates only — consult a licensed mortgage professional for personalized guidance.