Free Mortgage & Home Equity Calculators
Free tools built for the situations other calculators ignore — bruised credit, missed payments, and lenders beyond the banks. No sign-up, no credit check, nothing leaves your browser.
Home Equity and Borrowing
Home Equity Loan Calculator
How much can you borrow against your home? Your realistic room at each lender tier — including the B-lender and private tiers bank calculators leave out.
Second Mortgage Calculator
Your borrowing room, the fees, your net proceeds and the payment — the complete second mortgage picture.
Refinance vs. Second Mortgage
Break your low-rate first mortgage, or leave it alone and add a second? Both routes priced side by side.
HELOC & Loan Payment Calculator
What a given amount costs per month — interest-only like most HELOCs and private seconds, or fully amortized.
True Cost of Borrowing
Fees, legal, net advance — what actually lands in your pocket and what year one really costs.
Debt, Arrears and Payment Problems
Debt Consolidation Savings
What your cards cost monthly vs. one payment secured against your home — even with bruised credit.
Mortgage Arrears Calculator
What it takes to bring the mortgage current today — and what every further month adds.
Renewal Payment Shock
Renewing from a low rate? The exact monthly jump on your balance — and the options if it doesn’t fit.
Urgent Mortgage Timelines
Ontario Power of Sale Clock
Day 15, day 35, day 90 — the statutory milestones from your own dates, and how much window remains.
Alberta Foreclosure Timeline
Enter your dates, see the court stages ahead — including the redemption window most homeowners don’t know they have.
Specialized situations
Spousal Buyout Calculator
Keeping the house after separation: the buyout amount, the mortgage you’d need, and whether it fits.
Condo Closing Gap
Pre-construction unit appraising below your price? The cash you actually need to close — and the bridges.
Mortgage Calculators Built for Real-World Situations
Most bank mortgage calculators assume you have strong credit, traditional employment income and a straightforward application. Real life is not always that tidy.
CreditReboot’s mortgage calculators are designed for homeowners facing situations that standard calculators often overlook. Whether you are rebuilding your credit, self-employed, carrying high-interest debt, behind on mortgage payments or working with an alternative lender, these tools can help you better understand your available options.
Estimate how much equity you may be able to access, compare borrowing costs, calculate potential debt-consolidation savings or understand how missed payments and urgent closing deadlines could affect your mortgage.
Explore your options:
- Home Equity Loans — Access funds using the equity in your property.
- Second Mortgages — Borrow without replacing your existing first mortgage.
- Mortgage Refinancing — Restructure your mortgage and access additional funds.
- Debt Consolidation — Combine high-interest debts into one manageable payment.
- Mortgage Arrears Help — Explore possible solutions when you have fallen behind.
These calculators provide estimates for educational purposes. Your available loan amount, interest rate, fees and payment will depend on your property, equity, income, credit and lender requirements.
Want your real numbers, not estimates?
One call gets you an actual range for your property and situation — before any credit check.
📞 1-866-329-8801
Online Application →
Parm Mehmi, Principal Broker · FSRA #13163 | FCAA #511322 · Licensed in Ontario, Alberta & Saskatchewan
Planning estimates only — not financial, lending or legal advice. Lender terms vary; appraisals and payout statements govern actual figures.