Real Estate Finance Toolkit
VA Calculator
Three connected tools for Canadian commercial real estate underwriting — rate buydown, amortization schedule, and CMHC insurance premiums.
Rate Buydown
Reads live Canada Mortgage Bond yields from the theFinancials.com widget on this page. Add your lender spread to get the all-in rate and compute the buydown to your COI ceiling.
CMB 5-year—
CMB 10-year—
$
CMB 5yr: —
%
All-in rate: —
%
Implied buydown: —
Live CMB rates are read from the theFinancials.com widget embedded on this page. If the widget is missing or hasn’t loaded, the calculator falls back to manual rate values. Payments compound semi-annually on a monthly schedule (Canadian banking convention).
Buydown Cost
Present value of the cost to buy your all-in rate down to your COI ceiling.
Buydown cost (PV)
—
Upfront fee, paid at closing
Amortization Schedule
Enter your loan terms to estimate your monthly mortgage payment. Uses Canadian semi-annual compounding convention.
$
%
Payment Summary
Your estimated monthly payment and key term metrics.
Monthly payment
—
Principal & interest, monthly
Over The Term
Total interest over term—
Balance at end of term—
CMHC Premium Calculator
Multi-unit residential premium and application fee calculator. Covers Standard Rental Housing and Other Shelter Models, under MLI Market and MLI Select.
Other Shelter Models covers supportive housing, SROs, and other non-standard residential.
$
$
%
MLI Select Points (Commitment)
Points come from affordability, energy efficiency, and accessibility commitments.
Surcharges
+0.25% surcharge for every 5 years over 25-year base.
Application Fees
+$350 per advance beginning with 3rd (multi-advance only).
Net Premium
CMHC insurance premium on this loan.
Net premium
Capitalized into the loan
Fees
Application fees—
Refi credit applied$0