Tools
A few calculators I reach for with clients. The numbers are estimates — use them to frame a conversation, then we will confirm them with your lender and lawyer.
Mortgage payment calculator
See your payment, how much of it is interest, and how the balance falls over time.
→Affordability calculator
Estimate the price a lender will support, based on income, debts, and the federal stress test.
→Land transfer tax calculator
Ontario's provincial tax, plus Toronto's municipal tax if the property is in the City of Toronto. First-time buyer rebates for both.
→Closing-cost estimator
The cash a buyer needs beyond the down payment. Most buyers underestimate this; CMHC suggests budgeting 1.5–4% of the price.
→Seller net-proceeds estimator
What a seller is likely to walk away with after commission, legal fees, and the mortgage payout.
→Rates and program rules are as of April 2026. Estimates only — your lender and lawyer confirm the final figures.