How much house can I afford in Toronto?

Use our affordability calculator to determine your home buying budget based on your income, debts, down payment, and interest rates. Generally, your housing costs should not exceed 32% of your gross monthly income.

How is land transfer tax calculated in Ontario?

Land transfer tax in Ontario is calculated as a percentage of the purchase price: 0.5% on first $55,000, 1% on $55,000-$250,000, 1.5% on $250,000-$400,000, 2% on amounts over $400,000. Toronto has an additional municipal land transfer tax.

What is CMHC insurance and when do I need it?

CMHC insurance is required when your down payment is less than 20% of the home purchase price. The premium ranges from 0.6% to 4.5% of the mortgage amount, depending on your down payment size.

How accurate are these real estate calculators?

Our calculators provide accurate estimates based on current rates and regulations. For personalized advice and exact calculations, consult with a mortgage professional or real estate expert.

Mortgage Calculator - Condos and Homes Hub

Land Transfer Tax Calculator - Ontario

Calculate Ontario land transfer tax including Toronto's municipal tax. Accurate estimates for all Ontario cities and provinces across Canada.

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