Refinance Mortgage Calculator - Victory Chukwuemeka

Refinance Qualification Calculator

Mortgage Balance ($) Current/refinanced balance

Interest Rate (%) Contract rate

Stress Test Rate (%) Auto: rate + 2%

Amortization

Annual Employment Income ($)

Other Annual Income ($) Bonuses, pensions, etc.

Rental Income ($/month)

Rental Offset (%)

Use Rental Income As

Monthly Liabilities ($) Credit cards, loans, etc.

Annual Property Tax ($)

Monthly Strata/Condo Fee ($)

Monthly Heating Cost ($) If lender uses a flat amount, enter it

Enter details and click “Calculate” to see GDS/TDS and stress-test payment.

This tool provides an approximate calculation for illustrative purposes only and does not constitute a commitment to lend, a pre-approval, or financial advice. Actual qualification outcomes, limits, and payments will depend on lender guidelines, underwriting discretion, and full application details.