Calculators
Ontario numbers, worked out properly.
Six calculators built on the rules that apply in Durham today: Canadian mortgage maths, CMHC, Ontario land transfer tax and the stress test. Change any number and the answer changes with it.
Mortgage payment
What will the mortgage payment be?
Monthly, bi weekly and accelerated, with CMHC added when it applies.
Land transfer tax
How much land transfer tax will you pay?
Ontario tax and the first time buyer refund. Toronto shown only if you ask.
Closing costs
How much cash do you need on closing day?
Every line a buyer pays on closing day, and the total cash needed.
Affordability
What price can you qualify for?
The stress test, at the cautious limits and the insured maximum.
Seller net proceeds
What will you take home from the sale?
The cheque a seller can expect on closing day.
Rent versus buy
Is buying better than renting over ten years?
Ten years side by side, and the year buying pulls ahead.
Rates and rules last checked October 19, 2026.