Calculator Settings

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These regulatory settings affect all calculator results. Values are saved locally in your browser. If government policies change, update them here. Always verify with a mortgage professional.
Stress Test
Rate BufferAdded to contract rate for qualifying
%
Minimum Qualifying RateFloor rate even if buffer is lower
%
Qualification Ratios
GDS LimitGross Debt Service maximum
%
TDS LimitTotal Debt Service maximum
%
Minimum Down Payment
Up to $500KPercentage for first bracket
%
$500K to $1MPercentage for second bracket
%
Above $1MPercentage for third bracket
%
Bracket 1 ThresholdPrice where bracket 2 begins
$
Bracket 2 ThresholdPrice where bracket 3 begins
$
CMHC Mortgage Insurance Premiums
Land Transfer Tax — First-Time Buyer Rebates
Ontario RebateMax first-time buyer rebate
$
Toronto RebateAdditional Toronto rebate
$
Last updated: —
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Affordability Calculator
Property Lookup (Optional)
Listing ID (MLS#), Address, or Postal Code
Enter a Listing ID, street address, or postal code to auto-fill property details
Property Address (Manual)
Asking Price$0
Enter the listing or asking price to compare with affordability
Subject Property
No Property Selected
Use the Property Lookup above or enter an asking price to see a detailed comparison.
Your Financial Details
Annual Household Income$120,000
Combined before-tax income for all applicants
Down Payment$60,000
50% of estimated max price
Rate Type
Fixed Rate4.84%
Mortgage Term
Term is your rate lock period; amortization is total payoff time
Amortization30 years
Monthly Debts$500/mo
Car loans, credit cards, student loans
Annual Property Tax
$
Monthly Heating
$
Monthly Condo Fees
$
You Can Afford a Home Up To
$0
$0/mo
Your Afford Score
AggressiveStretchingAffordable
0
--
Qualification Check
GDS Ratio0% / 32%
PASS
TDS Ratio0% / 40%
PASS
CMHC Insurance
$0
Monthly Payment Breakdown
Mortgage P&I
$0
Property Tax
$0
Heating
$0
Total Monthly Housing
$0
Affordability Coach
Mortgage Payment Calculator
Mortgage Details
Property Price$500,000
Down Payment$25,000
5% — CMHC insurance required
Rate Type
Fixed Rate4.84%
Mortgage Term
Term is your rate lock period; amortization is total payoff time
Amortization30 years
Payment Frequency
Your Monthly Payment (Fixed)
$0
Mortgage Amount
$0
Down Payment
$0
CMHC Insurance
$0
Interest Over Term
$0
5-yr term
Balance at Renewal
$0
after 5-yr term
Total Interest (Full)
$0
Total Cost
$0
Fixed vs Variable Rate Comparison
Cost Breakdown
Principal
$0
Interest
$0
CMHC Premium
$0
Total Over Amortization
$0
Schedule Settings
Payment Start Date
Choose your first payment date (or today's date as default). Schedules below are calculated from this date.
Term Schedule
#DatePaymentInterestPrincipalBalance
Full Amortization Schedule
#DatePaymentInterestPrincipalBalance
Purchase Calculator
Purchase Details
Purchase Price$600,000
Down Payment$30,000
Min down: $20,000
Rate Type
Fixed Rate4.84%
Mortgage Term
Term is your rate lock period; amortization is total payoff time
Amortization30 years
Monthly Property Tax
$
Monthly Heating
$
Monthly Condo Fees
$
Monthly Debts
$
Annual Household Income
$
Total Monthly Cost
$0
Down Payment %
0%
CMHC Insurance
$0
Mortgage Amount
$0
Min Down Payment
$0
Monthly Breakdown
Mortgage P&I
$0
Property Tax
$0
Heating
$0
Total Monthly
$0
Qualification Check
GDS Ratio0% / 32%
PASS
TDS Ratio0% / 40%
PASS
Maximum Mortgage Calculator
Income & Expenses
Annual Household Income$120,000
Monthly Debts$500/mo
Monthly Property Tax$333/mo
Monthly Heating$120/mo
Monthly Condo Fees$0/mo
Interest Rate4.84%
Mortgage Term
Rate lock period before renewal
Amortization30 years
Maximum Mortgage Amount
$0
Monthly P&I: $0
GDS Ratio
0%
max 32%
TDS Ratio
0%
max 40%
Qualifying Rate
0%
Required Income Calculator
Target Property
Property Price$600,000
Down Payment$30,000
Mortgage Rate4.84%
Mortgage Term
Rate lock period before renewal
Amortization30 years
Monthly Property Tax
$
Monthly Heating
$
Monthly Condo Fees
$
Other Monthly Debts
$
Minimum Required Income
$0
or $0/mo
Mortgage Amount
$0
Monthly P&I
$0
Monthly Housing Cost
$0
Qualifying Rate
0%
Mortgage Renewal Calculator
Current Mortgage
Current Balance Remaining$350,000
Current Rate5.24%
Remaining Amortization20 years
New Rate Options
New Rate Type
New Fixed Rate3.99%
New Term
Your new rate lock period at renewal
Monthly Savings at Renewal
$0
Current Payment
$0
New Payment
$0
Monthly Savings
$0
Interest Over New Term
$0
5-yr term
Balance at Next Renewal
$0
after 5-yr term
Comparison
Current — Interest Over Term
$0
New — Interest Over Term
$0
Interest Savings
$0
Compare Mortgage Scenarios
Common Settings
Property Price$600,000
Down Payment$120,000
Scenario A
Rate Type
Rate4.49%
Term
Amortization30 years
Monthly P&I
$0
Interest Over Term
$0
Balance at Renewal
$0
Total Interest
$0
Total Cost
$0
Scenario B
Rate Type
Rate4.84%
Term
Amortization30 years
Monthly P&I
$0
Interest Over Term
$0
Balance at Renewal
$0
Total Interest
$0
Total Cost
$0
Scenario C
Rate Type
Rate5.29%
Term
Amortization30 years
Monthly P&I
$0
Interest Over Term
$0
Balance at Renewal
$0
Total Interest
$0
Total Cost
$0
Land Transfer Tax Calculator — Ontario & Toronto
Property Details
Purchase Price$800,000
Total Land Transfer Tax
$0
Ontario LTT
$0
Toronto LTT (MBTT)
$0
First-Time Rebate
$0
Ontario LTT Rates
First $55,000
0.5%
$55,001 — $250,000
1.0%
$250,001 — $400,000
1.5%
$400,001 — $2,000,000
2.0%
Over $2,000,000
2.5%
Closing Costs Calculator
Purchase Details
Purchase Price$600,000
Down Payment$60,000
Ancillary Costs

Ancillary costs are additional costs that are often overlooked. Home buyers are usually surprised at how much their closing costs sum up to. Toggle items on/off and edit amounts to customize your estimate.

Estimated Total Closing Costs
$0
Cost Breakdown
Ontario New Home HST Rebate Calculator
Property Details
Purchase Price (incl. HST)$700,000
Total price including HST from your Agreement of Purchase and Sale
Select Rebate Regime
Rebate Tiers (Proposed New Rules)
Full HST Removal
Purchase price at or below $1,000,000. Full 13% HST rebated.
Total HST Rebate (New Rules)
$0
Base price: $0 | Total HST: $0
Builder's Base Price
$0
Pre-HST amount
Total HST (13%)
$0
Before rebate
Federal Rebate (5%)
$0
Ontario Rebate (8%)
$0
HST You Actually Pay
$0
New vs. Existing Rules Comparison
Rebate (New Rules)$0
Rebate (Existing Rules)$0
Your Extra Savings$0
HST Rebate Tips
Down Payment Comparison Calculator
Property & Financing Details
Home Price$600,000
Mortgage Rate4.99%
Amortization25 years
Monthly Savings Rate4.5%
If you saved instead, your investment return rate
Monthly Savings Amount$1,000/mo
Recommended Down Payment
—
Enter property details to compare
Should You Wait or Buy Now?
Buy vs Rent Calculator
Property Details
Home Price$600,000
Down Payment %20%
Mortgage Rate4.99%
Amortization25 years
Renting Details
Monthly Rent$2,500/mo
Annual Rent Increase2.0%
Ownership Costs & Assumptions
Property Tax / Year$3,500/yr
Home Insurance / Year$1,200/yr
Maintenance / Year$3,000/yr
Home Appreciation / Year3.5%
Investment Return (on savings)6.0%
Comparison Period10 years
After 10 Years
—
Enter details to compare buying vs renting
Buying Net Position$0
Renting Net Position$0
Difference$0
Break-Even Year
—
Home Value
$0
Equity Built
$0
Total Rent Paid
$0
Investment Value
$0
Monthly Difference
$0
Break-Even Timeline
Year 1Year 30
Detailed Comparison
MetricBuyingRenting
Enter details to see comparison
Buy vs Rent Insights
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