Find out what you can actually afford — and what it costs to buy.
Five quick questions and you'll see a real estimate built on Canadian lending rules: your price range, your monthly payment, and the cash you'll need to close. No email needed to see your numbers.
What's your household income?
Total annual income before taxes, for everyone who'll be on the mortgage.
$120,000
What are your monthly debt payments?
Car loans, credit cards, student loans, lines of credit — the minimums you pay each month. Skip rent.
$500/mo
How much have you saved for a down payment?
Include any gift or savings you'll put toward the purchase.
$60,000
A couple of details.
We'll use today's ballpark rate — your real rate depends on your full picture.
Toronto is the only Ontario city that adds a municipal land transfer tax on top of the provincial one.
Your estimate
You may be able to afford a home around
$0
Estimated monthly payment$0
Mortgage amount$0
CMHC insurance (if <20% down)$0
Ontario land transfer tax$0
Estimated cash to close$0
Want these numbers turned into a real plan?
This is an estimate. In a free 15-minute call we'll pressure-test it against your actual situation — calmly, no pressure.
Your details stay private — I'll never sell your info or spam you.
All figures are estimates for illustration only, based on standard Canadian lending guidelines (GDS/TDS limits, semi-annual compounding, and the mortgage stress test). CMHC insurance applies when the down payment is under 20% and the price is $1.5M or less. Land transfer tax shown is the Ontario provincial amount, plus the Toronto municipal land transfer tax when you select Toronto (the only Ontario city that charges one). Actual approval, rate, and amounts depend on your full application and the lender.