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Every number, before you commit.

Free calculators built on current Canadian and Ontario rules. Nothing here asks for your email before it gives you an answer.

Mortgage payment

Canadian semi annual compounding, minimum down payment rules and the CMHC premium all applied automatically.

Purchase price ($)

Down payment ($)

Interest rate

Amortisation

Payment frequency

Your payment

Minimum down payment-

CMHC insurance premium-

Total mortgage-

Interest over the full term-

What you can actually afford

Uses the GDS and TDS ratios a Canadian lender applies, and qualifies you at the stress test rate rather than the rate you are quoted.

Household income before tax ($)

Other monthly debt payments ($) Car loans, credit cards, student loans

Down payment available ($)

Contract rate

Property tax per year ($) London runs roughly 1.35% of assessed value

Heating per month ($)

You could buy up to

Qualifying rate applied-

Maximum monthly housing cost-

Mortgage you would carry-

Payment at the qualifying rate-

Land transfer tax and closing costs

Ontario rates with the first time buyer refund applied. London has no municipal land transfer tax, so there is no second bill the way there is in Toronto.

Purchase price ($)

The Ontario refund is worth up to $4,000.

Legal fees ($) Including disbursements

Title insurance ($)

Home inspection ($)

Tax and utility adjustments ($) Reimbursing the seller for prepaid amounts

Cash needed at closing

Ontario land transfer tax-

First time buyer refund-

Land transfer tax payable-

Everything else-

Seller net proceeds

What is left after the mortgage payout, commission and legal fees. Usually the number that decides whether this year makes sense.

Expected sale price ($)

Mortgage balance remaining ($)

Total commission

Legal fees ($) Including the discharge

Staging, repairs and cleaning ($)

Mortgage discharge penalty ($) Ask your lender for the exact figure

Lands in your account

Commission including HST-

Mortgage payout and penalty-

Legal, staging and prep-

Total cost of selling-

These are estimates, not quotes. Rates, commission and legal fees are all negotiable and change regularly, and HST applies to commission and most professional fees. Use these numbers to plan, then confirm the real ones with your lender, your lawyer and me before you commit to anything.

The one number a calculator cannot give you.

What your specific house is worth, from someone who has been inside the others on your street. Back with you inside one business day.

Three live comparables, with the reasoning written out
What the last six months actually did to your street
The repairs worth doing, and the ones that never pay back
No obligation and no follow up campaign afterwards