Buyer tools

Free, Ontario-accurate calculators to plan your purchase — from monthly payment to the cash you need on closing day.

Rates & rebates current as of April 2026 — always confirm with your lawyer/lender.
🏦 Mortgage 🧾 Land Transfer Tax 🛡️ CMHC Insurance 📊 Affordability 💵 Closing Costs

Mortgage payment

Estimate your monthly principal & interest.

Land transfer tax

Ontario LTT, plus Toronto's municipal LTT if you're buying in the city — with first-time buyer rebates applied.

CMHC mortgage insurance

Required when your down payment is under 20%. Premium is added to your mortgage; the PST on it is paid on closing.

Affordability & stress test

Roughly how much home you can carry — qualified at the federal stress-test rate (the higher of your rate + 2% or 5.25%).

All-in closing costs

The cash you'll actually need on closing — beyond the down payment.
These calculators are estimates for planning only and are not financial, legal, or tax advice. Land transfer tax brackets, first-time buyer rebates, CMHC premiums, and the mortgage stress-test rate change over time — confirm exact figures with your mortgage broker and real estate lawyer. realestatehunt.ca · Ishaan Verma, Royal LePage Certified Inc.
IV Ishaan Verma, REALTOR®
● The real person behind the AI

Ishaan Verma, REALTOR®

I'm a Toronto-area REALTOR® at Royal LePage Certified Inc. The AI on this site does the heavy lifting — searching every TRREB listing, scoring deals, parsing your brief — so we spend our time on the parts that matter: what's actually right for you, what to negotiate, and what to walk away from.

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