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Six tools built on the actual Ontario and federal rules — marginal tax bands, the stress test, tiered down payment minimums. No sign-up, nothing collected, and no email required to see the answer.
What these tools can't tell you is whether a particular house is worth what it's listed at, how hard a segment is competing right now, or what an offer should look like on the night. That part is a conversation — and it costs nothing to have it.
About these tools
Every figure comes from published government and insurer rules, not from averages or assumptions — marginal land transfer tax bands, the tiered minimum down payment, CMHC premium tiers, and the qualifying rate lenders test you at. Statutory figures were last checked on .
They produce estimates for general guidance, not mortgage approvals or legal, tax or financial advice. Confirm anything you plan to act on with your mortgage professional and your real estate lawyer.
Buying, selling, or just trying to work out whether the timing makes sense — a short call costs you nothing and usually makes the decision a lot clearer.
