Free tools · Ontario

Run your numbers before you commit.

The same math lenders use, semi-annual compounding, CMHC premiums, the federal stress test and Ontario land transfer tax.

Buying in Ontario? See your monthly payment, your CMHC default insurance premium, and the cash you need at closing.

Add up what your mortgage and other debts cost you today, then see what one consolidated payment could look like.

Estimate your monthly payment with CMHC default insurance built in, plus interest, principal and balance over your 5-year term.

How much home can you afford? Built on real lender math, GDS/TDS ratios and the federal stress test.

Working toward a target home price? See the household income a lender will want to see.

Canada's minimum down payment rules and what CMHC insurance costs at 5%, 10%, 15% and 20% down.

Ontario and Toronto land transfer tax, first-time buyer rebates, legal fees and the rest of the bill nobody warns you about.

Not sure which tool fits your situation?One quick call sorts it out.

Beyond the math

Numbers are a start. strategy is the difference.

A calculator can't compare 70+ lenders or structure around your credit, income type and goals. A free call can.