High Ratio Mortgage Calculator

As housing prices continue to be high, securing a significant down payment can be challenging. Many home buyers are turning to high-ratio mortgages. A high ratio mortgage is a mortgage loan higher than 80% of the lending value of the property. This High Ratio Mortgage calculator helps to determine the amount of mortgage insurance you will pay on a high ratio mortgage.

High Ratio Mortgage

Your insurance premiums will depend on the percentage of the down payment.

More money is borrowed in an insured mortgage because of a smaller down payment, so more interest is paid. As a result, a high ratio mortgage costs more. Your insurance premiums will depend on the percentage of the down payment. The High Ratio Mortgage Calculator considers the purchase price of a home, the down payment amount and the amortization period to offer the monthly payment amount you can expect.

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High Ratio Mortgage Calculator

Companion Infographic

The high-ratio mortgage infographic illustrates how high-ratio mortgage work and how insurance premiums are determined. This companion infographic works well with the high ratio mortgage calculator to illustrate the concept clearly. 

High Ratio Mortgage Infographic


These consumer-facing financial calculators can be embedded in your web site quickly and easily.

Calculators are easy-to-use and fully responsive on any device – phone, tablet, laptop or desktop.

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Calculators can be fully branded according to your branding style guide. You’ll be up and running with a quick turnaround.

Calculators can be viewed for free up to five (5) times.
To use the full-featured versions of these calculators in FreshPlan, please contact us.

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