Free tools for Ontario real estate
Built for realtors and the people they work with. Every one is free and needs no sign-up.
Ontario land transfer tax calculator
The provincial tax on any purchase price, with the first-time buyer refund, who is exempt, and every bracket shown.
Toronto land transfer tax calculator
Toronto buyers pay the municipal tax on top of the provincial one. Both, with the city rebate and the 2026 luxury rates.
Closing costs calculator
Every cost a buyer pays on closing day in Ontario, from land transfer tax to the RST on mortgage insurance.
Cost of selling a house
What selling costs in Ontario, and what a seller actually banks after commission, HST, discharge and legal fees.
CMHC insurance premium
The mortgage default insurance premium on a down payment under 20%, and what it adds to the mortgage.
Mortgage affordability
What a buyer can borrow in Ontario, against income, debts and the stress test.
Minimum down payment
The least a buyer can put down in Canada at a given price, and where the thresholds fall.
Mortgage payment calculator
Payments by rate, amortisation and frequency, with the interest split.
Rent vs buy in Toronto
What renting and owning the same Toronto home really cost over the years you would hold it.