All calculators

What you can afford Your maximum purchase price, tested the way a lender tests it. Renting compared to buying A five-year, side-by-side comparison of both paths. Your mortgage payment Your monthly, biweekly, and weekly payment, side by side. Land transfer tax Ontario and Toronto tax, plus the first-time buyer rebate. Default insurance premium The premium, the sales tax on it, and whether you need it at all.

Your renewal options What signing your bank's offer actually costs versus shopping around. Using your home equity How much cash a refinance frees up, and what it really costs. Leaving a mortgage early The real penalty for breaking your term, as a range. Amortization & prepayment Real payoff time and interest saved from paying down faster.

The stress test Your ratios at the rate you're actually tested at, not the rate you'd pay. GDS and TDS ratios The two ratios every lender checks, and how much room is left.