Run the numbers before you buy. Estimate your mortgage payment and your full closing costs — land transfer tax for any Canadian province (plus Toronto's municipal tax), legal fees, title insurance and more. Set to Ontario by default — then reach out and we'll refine them together.
Minimum 5% up to $500K, 10% on the portion above, 20% at $1M+.
Uses Canadian semi-annual compounding and estimated CMHC-style insurance. Not a mortgage approval or quote.
Canada's minimum: 5% on the first $500K, 10% on the portion to $1M, 20% at $1M+.
Toronto adds a municipal land transfer tax on top of Ontario's.
First-time rebates apply in ON, Toronto, BC & PEI.
Land transfer tax is calculated to current provincial rules; the other costs are typical estimates you can edit. Estimate only — not legal or tax advice.
These calculators provide estimates for general information only and do not constitute financial, mortgage, legal, or tax advice. Rates, insurance premiums, and tax rules change — confirm current figures with a licensed mortgage professional, lawyer, or accountant before making decisions.
I'll connect you with a trusted mortgage professional for a real pre-approval and help you find the right home for your budget.