{"id":15715,"date":"2021-12-15T13:29:14","date_gmt":"2021-12-15T18:29:14","guid":{"rendered":"https:\/\/www.assur360.ca\/mortgage-calculators-2\/"},"modified":"2026-06-25T23:38:52","modified_gmt":"2026-06-26T03:38:52","slug":"mortgage-calculators-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/mortgage-calculators-2\/","title":{"rendered":"Mortgage calculators"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/simulation\/calculateurs-pret-hypothecaires\/\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/logo-assur360.png\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"address\": {\"@type\":\"PostalAddress\",\"streetAddress\":\"760, boul. Frontenac Ouest\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"postalCode\":\"G6G 6L5\",\"addressCountry\":\"CA\"},\n  \"areaServed\": \"QC\",\n  \"serviceType\": [\"Mortgage life insurance\",\"Home insurance\",\"Mortgage insurance\"]\n}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:48px 40px;text-align:center;margin:32px 0 40px;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE CALCULATOR 2026<\/p>\n  <h1 style=\"color:#ffffff;font-size:34px;margin:0 0 16px;line-height:1.2;\"><span class=\"ez-toc-section\" id=\"Mortgage-Calculator\"><\/span>Mortgage Calculator<span class=\"ez-toc-section-end\"><\/span><\/h1>\n  <p style=\"color:#94a3b8;margin:0 auto 28px;max-width:620px;font-size:16px;line-height:1.6;\">Estimate your monthly payment, total interest, and the real cost of your mortgage in 5 seconds. 100% free tool, designed for Quebec.<\/p>\n  <a href=\"#calculateur\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Calculate my payment<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Protect my mortgage<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free &#038; no registration required<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">5 sec<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Instant result<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">QC<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Adapted to Quebec<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Certified firm<\/div>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\"><strong>The Assur360<\/strong> <strong>mortgage calculator<\/strong> allows you to quickly estimate the periodic payment of a mortgage loan based on the amount borrowed, the interest rate and the amortization period. Designed for Quebec <strong>residents, it<\/strong> helps you plan the purchase of your property and choose the right <strong>mortgage life insurance coverage<\/strong> for your loan. <\/p>\n\n<div id=\"calculateur\" style=\"background:linear-gradient(180deg,#f8fafc,#ffffff);border:1px solid #e2e8f0;border-radius:16px;padding:32px;margin:32px 0;box-shadow:0 4px 24px rgba(13,31,45,0.06);\">\n  <div style=\"display:flex;align-items:center;gap:12px;margin-bottom:24px;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:40px;height:40px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:20px;\">\ud83c\udfe0<\/div>\n    <h2 style=\"color:#0d1f2d;font-size:22px;margin:0;\"><span class=\"ez-toc-section\" id=\"Calculate-my-mortgage-payment\"><\/span>Calculate my mortgage payment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <\/div>\n\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-bottom:24px;\">\n    <div>\n      <label for=\"loanAmount\" style=\"display:block;color:#0d1f2d;font-weight:600;font-size:14px;margin-bottom:8px;\">Loan Amount ($)<\/label>\n      <input type=\"number\" id=\"loanAmount\" value=\"300000\" min=\"0\" step=\"1000\" style=\"width:100%;padding:12px 14px;border:1px solid #e2e8f0;border-radius:8px;font-size:16px;color:#0d1f2d;background:#ffffff;box-sizing:border-box;\"\/>\n    <\/div>\n    <div>\n      <label for=\"downPayment\" style=\"display:block;color:#0d1f2d;font-weight:600;font-size:14px;margin-bottom:8px;\">Down payment ($)<\/label>\n      <input type=\"number\" id=\"downPayment\" value=\"60000\" min=\"0\" step=\"1000\" style=\"width:100%;padding:12px 14px;border:1px solid #e2e8f0;border-radius:8px;font-size:16px;color:#0d1f2d;background:#ffffff;box-sizing:border-box;\"\/>\n    <\/div>\n    <div>\n      <label for=\"interestRate\" style=\"display:block;color:#0d1f2d;font-weight:600;font-size:14px;margin-bottom:8px;\">Interest rate (%)<\/label>\n      <input type=\"number\" id=\"interestRate\" value=\"5.25\" min=\"0\" step=\"0.01\" style=\"width:100%;padding:12px 14px;border:1px solid #e2e8f0;border-radius:8px;font-size:16px;color:#0d1f2d;background:#ffffff;box-sizing:border-box;\"\/>\n    <\/div>\n    <div>\n      <label for=\"loanTerm\" style=\"display:block;color:#0d1f2d;font-weight:600;font-size:14px;margin-bottom:8px;\">Amortization (years)<\/label>\n      <select id=\"loanTerm\" style=\"width:100%;padding:12px 14px;border:1px solid #e2e8f0;border-radius:8px;font-size:16px;color:#0d1f2d;background:#ffffff;box-sizing:border-box;\">\n        <option value=\"15\">15 years<\/option>\n        <option value=\"20\">20 years<\/option>\n        <option value=\"25\" selected=\"selected\">25 years<\/option>\n        <option value=\"30\">30 years<\/option>\n      <\/select>\n    <\/div>\n    <div style=\"grid-column:1 \/ -1;\">\n      <label for=\"frequency\" style=\"display:block;color:#0d1f2d;font-weight:600;font-size:14px;margin-bottom:8px;\">Payment<\/label>\n<select id=\"frequency\" style=\"width:100%;padding:12px 14px;border:1px solid #e2e8f0;border-radius:8px;font-size:16px;color:#0d1f2d;background:#ffffff;box-sizing:border-box;\">\n Frequency <option value=\"12\" selected=\"selected\">Monthly (12 \/ year)<\/option>\n<option value=\"26\">Bi-weekly (26 \/ year)<\/option>\n<option value=\"52\">Weekly (52 \/ year)<\/option>                        \n      <\/select>       \n    <\/div>\n  <\/div>\n\n  <button type=\"button\" onclick=\"var P=parseFloat(document.getElementById('loanAmount').value)-parseFloat(document.getElementById('downPayment').value||0),a=parseFloat(document.getElementById('interestRate').value)\/100,y=parseInt(document.getElementById('loanTerm').value),f=parseInt(document.getElementById('frequency').value),b=document.getElementById('resultBox');if(isNaN(P)||P<=0||isNaN(a)||a&lt;0||isNaN(y)){b.style.display='none';return;}var r=a\/f,n=y*f,M=r===0?P\/n:P*r*Math.pow(1+r,n)\/(Math.pow(1+r,n)-1),t=M*n,i=t-P,l={12:'Monthly payment',26:'Bi-weekly payment',52:'Weekly payment'},F=function(x){return x.toLocaleString('fr-CA',{style:'currency',currency:'CAD',maximumFractionDigits:0}).replace('CA','').trim();};document.getElementById('periodLabel').textContent=l[f];document.getElementById('monthlyPayment').textContent=F(M);document.getElementById('totalInterest').textContent=F(i);document.getElementById('totalPaid').textContent=F(t);b.style.display='block';b.scrollIntoView({behavior:'smooth',block:'nearest'});\" style=\"width:100%;background:#10c4c7;color:#0d1f2d;padding:16px;border:none;border-radius:8px;font-weight:700;font-size:16px;cursor:pointer;letter-spacing:0.3px;\">Calculate my payment<\/button>\n\n  <div id=\"resultBox\" style=\"margin-top:28px;background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:12px;padding:28px;color:#ffffff;\">\n    <p style=\"color:#94a3b8;font-size:13px;text-transform:uppercase;letter-spacing:2px;margin:0 0 8px;\">YOUR ESTIMATE<\/p>\n    <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:24px;\">\n      <div>\n        <div id=\"periodLabel\" style=\"color:#94a3b8;font-size:13px;margin-bottom:6px;\">Monthly payment<\/div>\n        <div id=\"monthlyPayment\" style=\"color:#10c4c7;font-size:30px;font-weight:800;line-height:1.1;\">$1,441<\/div>\n      <\/div>\n      <div>\n        <div style=\"color:#94a3b8;font-size:13px;margin-bottom:6px;\">Total interest<\/div>\n        <div id=\"totalInterest\" style=\"color:#ffffff;font-size:22px;font-weight:700;line-height:1.1;\">$192,213<\/div>\n      <\/div>\n      <div>\n        <div style=\"color:#94a3b8;font-size:13px;margin-bottom:6px;\">Total cost<\/div>\n        <div id=\"totalPaid\" style=\"color:#ffffff;font-size:22px;font-weight:700;line-height:1.1;\">$432,213<\/div>\n      <\/div>\n    <\/div>\n    <div style=\"background:rgba(16,196,199,0.12);border:1px solid #10c4c7;border-radius:8px;padding:16px;margin-bottom:20px;\">\n      <p style=\"margin:0;color:#ffffff;font-size:14px;line-height:1.6;\">\ud83d\udca1 <strong>Did you know?<\/strong> <strong style=\"color:#10c4c7;\">Mortgage life insurance<\/strong> pays off your mortgage in the event of your death. <strong style=\"color:#10c4c7;\">Save up to 50%<\/strong> by using an independent broker instead of your lender.<\/p>\n    <\/div>\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\" style=\"display:block;text-align:center;background:#10c4c7;color:#0d1f2d;padding:14px 24px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;\">Get my mortgage life insurance quote\u2192<\/a>\n  <\/div>\n<\/div>\n\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Broker&#8217;s advice<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Before you sign your mortgage, compare <strong style=\"color:#ffffff;\">individual life insurance<\/strong> to your lender. Independent life insurance is <strong style=\"color:#ffffff;\">often 30-50% cheaper<\/strong>, owned by you (transferable if you switch banks), and coverage remains fixed instead of decreasing with the balance of the loan. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-the-mortgage-payment-calculation-work\"><\/span>How does the mortgage payment calculation work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">The periodic payment of a mortgage is calculated according to a standard mathematical formula that spreads the principal and interest over the entire amortization period. Here are the key things to understand. <\/p>\n\n<div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;margin:24px 0;text-align:center;\">\n  <p style=\"color:#64748b;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;margin:0 0 12px;\">STANDARD FORMULA<\/p>\n  <p style=\"color:#0d1f2d;font-size:20px;font-weight:700;margin:0 0 12px;font-family:Georgia,serif;\">M = P \u00d7 <span style=\"display:inline-block;vertical-align:middle;border-bottom:2px solid #0d1f2d;padding:0 6px;\">r(1 + r)<sup>n<\/sup><\/span> \u2044 <span style=\"display:inline-block;vertical-align:middle;padding:0 6px;\">(1 + r)<sup>n<\/sup> \u2212 1<\/span><\/p>\n  <p style=\"color:#64748b;font-size:13px;margin:0;\">where M = periodic payment, P = borrowed capital, r = periodic rate, n = total number of payments<\/p>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcc8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Interest rates<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The higher the rate, the higher the payment. A <strong>0.5%<\/strong> change over 25 years can add <strong>up to more than $25,000<\/strong> in interest. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u23f1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Payback period<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A longer period (30 years) reduces the monthly payment but <strong>greatly increases<\/strong> the total cost of interest paid.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Down payment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A down payment of <strong>20% or more<\/strong> avoids CMHC loan insurance and reduces your monthly payment.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Examples-of-payments-by-scenario\"><\/span>Examples of payments by scenario<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:24px 0 12px;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Loan Rate<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">\n <\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Term<\/th>\n <th style=\"padding:14px 16px;text-align:left;border:none;\">Payment \/ month<\/th>\n <th style=\"padding:14px 16px;text-align:left;border:none;\">Total interest<\/th>                                \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$200,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">25 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,192<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">157,581<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$300,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">25 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,788<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">236,372<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$400,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">25 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$2,384<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">315,162<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$500,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">25 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$2,980<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">393,953<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$300,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">15 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$2,410<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">133,758<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">$300,0005.25<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">%<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">30 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$1,656<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">296,235<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative estimates based on a fixed rate of 5.25% and the calculator above. The actual rate offered depends on your file and lender. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5-steps-to-using-the-calculator-properly\"><\/span>5 steps to using the calculator properly<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Estimate the price of the property<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Indicate the total amount of your purchase (before transfer taxes, notary fees and inspection).<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Enter your down payment<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">In Quebec, the minimum is <strong>5% on the first $500,000<\/strong> and <strong>10% on the portion between $500,001 and $1 million<\/strong>.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Choose a realistic interest rate<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Look at <a href=\"https:\/\/www.banqueducanada.ca\/taux\/taux-dinteret\/\" rel=\"nofollow noopener\" target=\"_blank\" style=\"color:#10c4c7;\">the Bank of Canada&#8217;s posted rates<\/a> and add the banks&#8217; usual margin (1.5 to 2 per cent).<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Select the amortization period<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">25 years is the norm. 30 years is possible with a down payment of 20% or more, but costs more in interest. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Compare payment frequencies<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">An <strong>accelerated bi-weekly<\/strong> payment can <strong>save 3 to 5 years<\/strong> of amortization and tens of thousands in interest.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">PROTECT YOUR LOAN<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;line-height:1.3;\">Your mortgage deserves the right insurance<\/h3>\n  <p style=\"color:#94a3b8;margin:0 auto 28px;max-width:560px;font-size:15px;line-height:1.6;\">Compare prices from <strong style=\"color:#ffffff;\">15+ life insurers<\/strong> in Quebec in 3 minutes. An independent Assur360 broker will assist you for free.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free quote in 3 min<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Complementary-coverage-to-your-mortgage\"><\/span>Complementary coverage to your mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">A mortgage commits your family for 25 years. Three types of insurance coverage help secure your investment and that of your loved ones. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(1,1fr);gap:16px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83d\udee1\ufe0f Mortgage life insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">Covers the balance of your loan if you pass away. An <a href=\"\/blog\/assurance-vie\/\" style=\"color:#10c4c7;\">individual life insurance<\/a> policy is generally more advantageous than the one offered by your lender.<\/p>\n    <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"color:#10c4c7;font-weight:700;text-decoration:none;font-size:14px;\">Get a quote \u2192<\/a>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83c\udfe0 Home insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">Mandatory to obtain a mortgage in Quebec. It protects your building, your belongings, and your liability.<\/p>\n    <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" style=\"color:#10c4c7;font-weight:700;text-decoration:none;font-size:14px;\">Get a quote \u2192<\/a>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\u2695\ufe0f Disability &#038; critical illness insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Guarantees the payment of your mortgage if an illness or accident prevents you from working. Often overlooked, but essential.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Available-throughout-Quebec\"><\/span>Available throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\"><strong>Assur360<\/strong> brokers support home buyers in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Gatineau<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>L\u00e9vis<\/strong>, <strong>Drummondville<\/strong> and <strong>Thetford Mines<\/strong>. Whether you are buying in an urban or rural area, our <strong>AMF-certified<\/strong> brokers will find the mortgage life insurance best suited to your profile. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-Tools-and-Articles\"><\/span>Related Tools and Articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:24px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/simulation\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83e\uddee All Assur360 calculators<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Free calculators for auto insurance, home insurance, life insurance, claims, and more.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udee1\ufe0f Life insurance quote<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Compare 15+ life insurers in 3 minutes to protect your mortgage.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe0 Home insurance quote<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Required for your mortgage \u2014 compare the best prices.<\/p>\n  <\/a>\n  <a href=\"\/blog\/assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udcda Mortgage life insurance guide<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Everything you need to know about options to protect your loan and your family.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:24px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is life insurance mandatory to obtain a mortgage?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, life insurance is <strong>not mandatory<\/strong> to obtain a mortgage in Quebec. Only <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-habitation\/\" style=\"color:#10c4c7;\">home insurance<\/a> is required by lenders. However, life insurance is <strong>strongly recommended<\/strong> to protect your family from the burden of the loan in case of death.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is it better to get life insurance from the bank or a broker?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">An <strong>individual life insurance via a broker<\/strong> is almost always more advantageous: 30% to 50% lower price, coverage that does not decrease with the loan balance, transferable if you change banks, and a beneficiary chosen by you (not the bank).<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does mortgage life insurance cost in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A temporary life insurance of <strong>$500,000 for 25 years<\/strong> costs between <strong>$20 and $80 per month<\/strong> for a healthy non-smoking adult. The price varies based on age, health status, smoking status, and term length.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between term and permanent life insurance for a mortgage?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Term life insurance<\/strong> (T20, T25, T30) covers a defined period at the lowest cost \u2014 it is the most popular choice for covering a mortgage. <strong>Permanent life insurance<\/strong> covers your entire life and accumulates cash value, but costs 5 to 10 times more.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the exact calculation for mortgage payments in Canada?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In Canada, mortgages use <strong>semi-annual compounding<\/strong>. The general formula is <strong>M = P \u00d7 r(1+r)^n \/ ((1+r)^n \u2212 1)<\/strong>, where r is the converted periodic rate and n is the total number of payments. Our calculator applies this formula to provide a reliable estimate.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is bi-weekly payment really more advantageous?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">An <strong>accelerated bi-weekly payment<\/strong> is equivalent to a monthly payment divided by 2, which means <strong>26 payments per year<\/strong> instead of 24. This strategy can <strong>reduce amortization by 3 to 5 years<\/strong> and save tens of thousands of dollars in interest over the life of the loan.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the minimum down payment in Quebec in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In Quebec in 2026: <strong>5%<\/strong> on the first $500,000 of the purchase price, <strong>10%<\/strong> on the portion between $500,001 and $1,500,000, and <strong>20%<\/strong> beyond $1.5M. A down payment of <strong>less than 20%<\/strong> requires SCHL mortgage insurance.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What happens to my mortgage if I become disabled?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Without <strong>disability insurance<\/strong>, you remain responsible for your payments. Disability or critical illness insurance covers your mortgage payments if you can no longer work. An Assur360 broker can help you set up comprehensive protection at a competitive price.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"Is life insurance mandatory to obtain a mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No, life insurance is not mandatory to obtain a mortgage in Quebec. Only home insurance is required by lenders. However, life insurance is strongly recommended to protect your family from the burden of the loan in case of death.\"}},\n    {\"@type\":\"Question\",\"name\":\"Is it better to get life insurance from the bank or a broker?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Individual life insurance through a broker is almost always more advantageous: 30% to 50% lower price, coverage that does not decrease with the loan balance, transferable if you change banks, and a beneficiary chosen by you.\"}},\n    {\"@type\":\"Question\",\"name\":\"How much does mortgage life insurance cost in Quebec?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A temporary life insurance policy of $500,000 for 25 years costs between $20 and $80 per month for a healthy non-smoker adult. The price varies based on age, health status, smoking status, and term length.\"}},\n    {\"@type\":\"Question\",\"name\":\"What is the difference between term and permanent life insurance for a mortgage?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Term life insurance (T20, T25, T30) covers a defined period at the lowest cost \u2014 it is the most popular choice for covering a mortgage. Permanent life insurance covers your entire life and accumulates cash value, but costs 5 to 10 times more.\"}},\n    {\"@type\":\"Question\",\"name\":\"What is the exact calculation for mortgage payment in Canada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In Canada, mortgages use semi-annual compounding. The general formula is M = P \u00d7 r(1+r)^n \/ ((1+r)^n \u2212 1), where r is the converted periodic rate and n is the total number of payments.\"}},\n    {\"@type\":\"Question\",\"name\":\"Is bi-weekly payment really more advantageous?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"An accelerated bi-weekly payment is equivalent to a monthly payment divided by 2, resulting in 26 payments per year instead of 24. This strategy can reduce amortization by 3 to 5 years and save several tens of thousands of dollars in interest.\"}},\n    {\"@type\":\"Question\",\"name\":\"What is the minimum down payment in Quebec in 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In Quebec in 2026: 5% on the first $500,000 of the purchase price, 10% on the portion between $500,001 and $1,500,000, and 20% beyond $1.5 million. A down payment of less than 20% requires mortgage default insurance.\"}},\n    {\"@type\":\"Question\",\"name\":\"What happens to my mortgage if I become disabled?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Without disability insurance, you remain responsible for your payments. Disability or critical illness insurance covers your mortgage payments if you can no longer work.\"}}\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Chamber of Insurance<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>15+ Life Insurers<\/strong> Compared<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">100% <strong>Quebec<\/strong> service<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Ready to protect your mortgage?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 auto 28px;max-width:560px;font-size:15px;line-height:1.6;\">Compare the best mortgage life insurance prices in Quebec in 3 minutes \u2014 an <strong style=\"color:#ffffff;\">Assur360<\/strong> broker will assist you for free.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get my quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Simulators\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Mortgage Calculator\",\"item\":\"https:\/\/www.assur360.ca\/simulation\/calculateurs-pret-hypothecaires\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>FREE CALCULATOR 2026 Mortgage Calculator Estimate your monthly payment, total interest, and the real cost of your mortgage in 5 seconds. 100% [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":39117,"parent":58627,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Mortgage Calculators | Assur360","_seopress_titles_desc":"Use our mortgage calculators to estimate your payments, compare rates and plan your home purchase. 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