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Buyer Calculators

Plan your purchase with Canadian mortgage rules and Ontario tax brackets

Income
Add co-borrower income
50% of annual rental income counts toward qualifying
Down Payment
Eligible for 30-year amortization on new builds
Required for 30-year insured amortization
Monthly Debts
Housing Costs
Mortgage Terms
Maximum Home Price
Max Mortgage
Min Down Payment Required
Stress Test Rate
CMHC Premium
Monthly Payment Breakdown
Principal & Interest
Property Tax
Heating
Condo Fees
CMHC (monthly)
Total Monthly
Debt Ratios
GDS Ratio
Max 39%
TDS Ratio
Max 44%
GDS measures housing costs vs. income (max 39%). TDS includes all monthly debts (max 44%).
Total Interest Paid
Over 25 Years
Over 30 Years
Property Details
Eligible for LTT rebates
Professional Fees
Adjustments
Optional Items
Condo Status Certificate ($200)
Property Survey ($1,000)
Moving Costs ($2,500)
Home Insurance ($1,200)
Total Closing Costs
Land Transfer Tax
Ontario LTT
Professional Fees
Legal Fees
Title Insurance
Home Inspection
Property Appraisal
Subtotal
Cash Summary
Closing Costs

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Commission Amount
HST on Commission (13%)
Legal Fees
Mortgage Penalty
Other Costs
Total Costs
Mortgage Payout
Estimated Net Proceeds

Carrying Cost Calculator

A detailed breakdown of your monthly homeownership costs

CANADIAN MORTGAGE CALCULATOR — SEMI-ANNUAL COMPOUNDING

Total years left to pay off your mortgage — not your term
Mortgage Payment
Property Tax
Home Insurance
Utilities
Other
Total Monthly Cost
Annual Cost