Canadian Mortgage App

3.88K reviews
Content rating
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image
Screenshot image

About this app

The Canadian Mortgage App has been used over 40+ million times and ranks as Canada's #1 mortgage app.

Financial Post calls it "the app everyone loves to talk about when it comes to mortgages," and it has given media love from CBC, OREA, Yahoo Finance, La Presse, CMT, MBN, Toronto Star, Metro, and by many other news outlets.

Easily calculate your total home ownership cost, the stress test, compare rates by national and regional lenders and brokers, calculate land transfer taxes and determine your affordability to the penny.

Here is a summary of all the features:

• Canadian Payment Calculator
• All Possible Payment Frequencies
• 2018 Stress Test Rules
• Award-winning Pre-Qualification tool
• Powerful Refinance Analyzer
• Minimum Down Payment Calculator
• Total Monthly Ownership Calculator
• Closing Cost Calculator
• Affordability Calculator
• Maximum Loan Calculator
• Extra Payments Calculator
• Advanced GDS / TDS Calculator
• CMHC Premium Calculator
• Amortization Schedule and Totals
• Load and Save Multiple Scenarios
• Scenario Comparison (side by side)
• All Provincial Land Transfer Fees
• All Municipal LTT
• ON / TO First-time buyer rebates
• ON Non-Resident Speculation Tax
• BCs First time and Newly built rebates
• BCs Foreign Buyer Tax
• PEIs First time buyer rebates
• Real-time Mortgage Rates
• Ability to connect with an expert
• Find an Expert in your area
• Import / Export Calculations
• Generate Summary PDFs
• Beautiful graphs and illustrations
• English, French, Spanish &
• Chinese and Hindi Translated
• Direct Technical Support Chat
• Frequently Asked Questions (FAQ)
• And now Realtors and Mortgage Professionals can also brand CMA to offer their clients a unique mobile experience.

The calculations have also been rigorously tested both mathematically and physically against almost all available mortgage calculators we could find. It's super accurate. It calculates at an extended number of decimal places, avoids floating-point errors and uses specialized rounding as suggested by the European Commission on rounding currency amounts and IEEE 754.

Canadian Mortgage app is free to use and download.


We offer Real estate and Mortgage Professionals a premium subscription to PRO.

CMA PRO offers industry professionals the ability to personalize the Canadian Mortgage App and share their branded app with clients, prospects and partners.

The PRO mobile app can be customized with your company logo, profile picture, brand colours, contact information, rates and much more. PRO offers premium analytics and the ability to invite and co-brand with referral partners to increase your business.

CMA PRO starts at CAD $9.99/month and up to $249.99 / quarter depending on your subscription type.

Payment will be charged to your iTunes account.

Your PRO subscription automatically renews monthly or quarterly for the price of the initial package you have selected. Subscription is automatically renewed unless auto-renew is turned off at least 24-hours before the end of the current period. Auto-renewal can be turned off by going to your App Store Account Settings after purchase. Prices are in Canadian dollars, may vary in countries other than Canada, and are subject to change without notice. Terms of use and privacy policy are available here:

If you don't choose to get CMA PRO, you can continue using the Canadian Mortgage App for free forever.

We know you will love it.

Updated on
May 29, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.78K reviews
Francisco M.
June 6, 2024
This app helped me to speak the same language as the lenders, but to have conversations in my terms. I used it to buy our town home and now coming back to refinance the next term.
A Google user
September 6, 2019
Easy to use, love the mortgage calculator that gives the option to customize the rate easily, plus the add extra feature allows to see how much money you could save on interest by adding some extra payments. I wish it also has option to add 1 time extra payment instead of recurring payment to see how much you could save on the first extra payment.
16 people found this review helpful
A Google user
September 7, 2019
Excellent app. Gives me all I need to calculate my payments, interest and everything I need to make a decision for a single home. It can be improved to include a section to buy a second investment property and calculate the rate of return, NPV, IRR and a stress test criteria to include the second/third property. A small calculator to run various disposition scenarios at various times in future at user provided estimated sale value, minus commissions, capital gains taxes etc.
Bendigi Technologies Inc.
October 8, 2019
Hi Fassel, We've forwarded your feedback to our developers. Thank you for taking out the time to send us your suggestions!

What's new

- Effective August 1, 2024. the government will allow insured 30-year mortgage amortizations for first-time home buyers purchasing newly built homes. Insured mortgages only apply to homes less than $1,000,000 where the borrower puts less than 20% down payment.
- The purchase calculator has a new menu item to enable the insured FTHB rule.
- Pre-Qualification Tool has the ability to turn on insured FTHB rules
- The compare tool has a new menu for Mortgage Insurance