Plan With Confidence

Learn your numbers before we chat, mortgage payments, land transfer tax, and how much home you can comfortably afford.

Tool One

Home Price ($) Down Payment ($) Interest Rate (%/yr) Amortization (years)

Tool Two

Ontario provincial tax, plus Toronto's municipal land transfer tax if applicable.

Purchase Price ($) Property is in Toronto (add municipal LTT) First-time homebuyer (rebate applies)

Estimate only, actual tax may vary; confirm with your lawyer.

Tool Three

A quick estimate of what home price fits your budget, based on a standard 39% gross-debt-service guideline.

Annual Household Income ($) Down Payment ($) Monthly Debts ($, car/CC/etc.) Interest Rate (%/yr)

Rough guideline only, your lender's actual approval depends on credit, employment, and other factors. Let's talk through your real numbers.

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