The calculation is based on the accuracy and completeness of the data you have entered. The information is intended for illustrative and general information purposes only. Actual payment amounts may differ and will be determined at the time of signing the mortgage agreement.

The calculator is for residential properties and mortgages. Calculation assumes constant interest rate throughout amortization period. The interest rate shown is calculated either semi-annually not in advance for fixed interest rate mortgages or monthly not in advance for variable interest rate mortgages.

Lump sum payments may be subject to a prepayment charge. For the Pay Off My Mortgage Quicker option, we assume that the lump sum payments are applied after the regular payment. For example, with a lump sum payment frequency of monthly, the lump sum payment will be applied at the end of the month. With a lump sum payment frequency of annual, the lump sum payment will be applied at the end of calendar year.

The premium cost is an estimate for illustrative purposes only and is not a quote. The premium cost is calculated using age, number of borrowers, type of coverage and mortgage balance entered in the tool; it does not include provincial taxes on insurance, where applicable. At time of application, premium amount may vary depending on age, coverage type and amount and any applicable discounts, plus applicable provincial taxes. Accidental dismemberment coverage is underwritten by TD Life Insurance Company. All other coverages are underwritten by The Canada Life Assurance Company. TD Life Insurance Company is the authorized administrator for this insurance. For more details on insurer and/or administrator, as well as all benefits, exclusion and limitations please refer to the Certificate of Insurance or the Product Summary, Fact Sheet and Certificate of Insurance (Quebec residents).

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