Realty

Financial tools

Run the numbers

Every output is integer cents and every table is versioned. Results are estimates, not mortgage approval, legal, or tax advice.

Mortgage payment

Fixed rates use semi-annual compounding; variable rates use monthly compounding.

Land transfer tax

Ontario PLTT plus Toronto MLTT, including first-time buyer rebate caps.

Semi-annual compounding

Fixed-rate mortgages use the Canadian convention: (1 + r/2)^(2/12) per month. Variable rates compound monthly.

Insurance and PST

CMHC premium tiers are looked up by LTV; the premium is financed, while Ontario PST on the premium is a closing cost.

Effective-dated taxes

Ontario PLTT and Toronto MLTT brackets are selected by closing date, including the high-value Toronto tiers.

Looking for neighbourhood-level values? Explore neighbourhoods →