Mortgage Information and Calculator
Plan Your Mortgage with Confidence
Buying a home is one of the biggest financial decisions you’ll ever make — and having the right numbers in front of you makes all the difference. Use our interactive calculator and step-by-step guides to understand what you can afford, compare payment options, and move forward with confidence.
Mortgage Calculator
Use our calculator to:
- Determine what your mortgage payments will be
- Compare different ways to pay off your mortgage faster
- See how lump sum or top-up payments affect your timeline
- View a full amortization schedule to understand principal vs. interest
Mortgage Payment Calculator
Loan Amount:
Monthly Payment:
Total Interest:
Total Cost:
Land Transfer Tax Calculator
When you buy a home in Ontario, you’ll need to pay Land Transfer Tax (LTT) at closing which is based on the purchase price of the property. This is a cost buyers often forget about.
Use this calculator to:
- Estimate how much you’ll owe in LTT
- See how the First-Time Home Buyer Refund reduces your cost (up to $4,000 rebate)
- Budget accurately for closing day
Ontario Land Transfer Tax
Ontario LTT:
Toronto LTT:
Rebates:
Total LTT:
Why Get Pre-Approved?
A mortgage pre-approval is a written commitment from a lender to loan you a specific amount at a specific interest rate, usually locked in for 60–120 days.Here’s why it matters:
- Shop with Confidence: Know your budget before you start looking
- Competitive Advantage: Sellers see you as a serious buyer, especially in multiple-offer situations.
- Peace of Mind: Your rate is locked, protecting you from market fluctuations while you search.
The Home Financing Journey
Buying a home involves a few key steps. Here’s what to expect:Step 1: Get Pre-Approved
Meet with a mortgage professional, review your finances, and get a rate lock so you know exactly what you can afford.
Step 2: House Hunt & Make an Offer
Once you’ve found the perfect home, we’ll craft an Offer to Purchase — a legally binding agreement that sets out the price, conditions, and timelines. Your lawyer can review it before it’s presented to the seller.
Step 3: Finalize Your Mortgage
Your lender will verify your financial information, order a property appraisal, and issue final approval. If your down payment is less than 20%, they’ll also arrange for mortgage default insurance.
Step 4: Closing Day
Meet with your lawyer, sign all documents, and bring a certified cheque for closing costs. Once the paperwork is complete, the home is yours!
Let’s Make a Plan Together
Ready to take the next step? Whether you’re buying your first home or refinancing, I can connect you with trusted mortgage professionals and guide you through the process from pre-approval to closing day.
Book a Free Buyers Consultation
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