Run the Numbers Before You Sign.
Estimate your payment, see what you may be able to afford, and calculate your land transfer tax. Quick estimates to help you plan — then let's review the real details together.
Pick a calculator
Four quick tools to help you plan. All results are estimates only — book a review to confirm the real numbers.
Mortgage Payment Calculator
Estimate your payment by amount, rate, amortization and frequency.
Affordability Calculator
See the mortgage and price range lenders may consider.
Land Transfer Tax Calculator
Ontario and Toronto land transfer tax, with first-time rebate.
Closing Cost Estimator
Budget for legal, title, land transfer tax and other closing costs.
Mortgage Payment
See your estimated payment by amount, rate, amortization and payment frequency.
Estimate only — not an approval or commitment to lend. Actual payments depend on your lender, product, term and approval conditions.
Affordability Estimate
A rough guide to the mortgage and price range lenders may consider, based on standard debt-service ratios.
Illustrative only. Uses typical GDS 39% / TDS 44% guidelines and does not include mortgage default insurance, the federal stress test, heating/condo fees or lender-specific rules. Your real qualification can differ — book a review to confirm.
Land Transfer Tax
Estimate Ontario land transfer tax — and, for Toronto purchases, the additional municipal tax — with the first-time buyer rebate.
Estimate only for a single-family residence. Rebate maximums used: Ontario $4,000, Toronto $4,475. Rules, brackets and eligibility can change — confirm with your lawyer. Not tax or legal advice.
Closing Cost Estimator
A rough budget for the one-time costs due around closing — beyond your down payment.
Estimate only. If your down payment is under 20%, Ontario PST (8%) on the mortgage default insurance premium is payable at closing and is included above. Excludes property tax/utility adjustments and your lender or lawyer's exact charges. Not tax or legal advice.
Estimates get you started — a review gets you certainty.
These tools use general assumptions. Your rate, ratios and costs depend on your full application and the lender.
The stress test matters
Most borrowers must qualify at a higher rate than the one they'll pay. Affordability numbers here are a rough guide only.
Insurance changes the math
Less than 20% down usually means mortgage default insurance, which affects your minimum down payment and payment.
Lenders differ
Guidelines, rates and how income is treated vary. Matching the right lender is where a broker helps most.
Turn an estimate into a real plan.
Share your numbers with Paul and get options tailored to your situation.