Calculator Spousal Buyout
Calculate how much you need to borrow to keep the home in a separation — including your ex's equity payout, debt consolidation, CMHC insurance, and stress test qualification.
Spousal Buyout Calculator
Calculate how much you need to borrow to keep the home in a separation — including your ex's equity payout, debt consolidation, CMHC insurance, and stress test qualification.
Payout to Ex-Spouse
$150,000
New Mortgage (Before Insurance)
$575,000
Loan-to-Value Ratio
82.1%
Requires CMHC Insurance
Yes
CMHC Premium Rate
2.8%
CMHC Premium
$16,100
Total Mortgage (With Insurance)
$591,100
Monthly Payment
$3,401
Stress Test Rate
6.9%
Stress Test Payment
$4,100
The Spousal Buyout Program caps at 95% LTV. Property value limits apply: $1.5M for insured mortgages. Speak with a mortgage broker for your specific situation.
All calculations use Canadian semi-annual compounding per the Bank Act. These results are estimates for educational purposes only and do not constitute financial advice. Speak with a licensed mortgage broker for advice specific to your situation.
API Access for Developers & AI Agents
This calculator is available as a free JSON API. AI agents, chatbots, and developers can send mortgage data and get instant results.
POST /api/calculate/spousal-buyout
{
"homeValue": 700000,
"mortgageBalance": 400000,
"exEquityPercent": 50,
"rate": 4.89
}
Related Calculators
CMHC Insurance
Compare 19% down (insured, lower rate) vs 20% down (uninsured) to see which strategy saves you more over 5 years. Uses Canadian semi-annual compounding.
Open →Cost of Borrowing
See the true cost of your mortgage: total interest paid, effective annual rate, cost per dollar borrowed, and how a 1% rate change impacts your bottom line. Uses Canadian semi-annual compounding.
Open →IRD Penalty
Calculate your Interest Rate Differential (IRD) penalty for breaking a fixed mortgage early. Shows the penalty amount, breakeven timeline, and whether switching lenders actually saves you money.
Open →The Spousal Buyout Program caps at 95% LTV. Property value limits apply: $1.5M for insured mortgages. Speak with a mortgage broker for your specific situation.