Run the numbers before you need them.
Free, no sign-up, nothing captured. Ontario rules, Canadian mortgage math, and the lines that usually only appear on a closing statement. Use them yourself — and when a figure raises a question, that is a good reason to call.
Eight tools, built for
Ontario and Halton.
Most online calculators are written for the American market and quietly get Canadian mortgages wrong. These use semi-annual compounding, the real down payment minimums, current CMHC premium bands, Ontario’s land transfer tax brackets and the HST new housing rebate as it actually works.
Monthly carrying cost
Mortgage, property tax, condo or POTL fee, utilities and insurance in one number — plus the mortgage insurance premium, the provincial tax on it, and the household income a lender will want to see behind it all.
Open the calculator ↗Land transfer tax
What you owe on closing, bracket by bracket, with the first-time buyer rebates and Toronto’s second municipal tax — and what the same purchase would cost on the other side of the Halton border.
Open the calculator ↗Pre-construction vs resale
Five Halton scenarios modelled over the same horizon, including deposits, occupancy fees and what you pay for housing while you wait — and the appreciation rate at which the two paths break even.
Open the calculator ↗HST rebate on a new build
What the new housing rebate is worth inside a builder’s advertised price, and exactly when an investor has to hand it back in cash at closing. The most common expensive surprise in pre-construction.
Open the calculator ↗Pre-construction deposits
Turn a builder’s deposit structure into dated cheques and running totals, with the cooling-off period that does or does not apply and the closing costs the price never includes. Print it or copy it.
Open the tool ↗First-time buyer roadmap
The whole cash requirement split by when each piece is due — at the offer, during conditions, on closing day and after the keys. Including the costs that never appear in a mortgage calculator.
Open the calculator ↗Sell first or buy first
Prices both risks with your numbers — carrying two homes and bridge interest against an interim move and a rushed purchase — then gives you a recommendation you can argue with.
Open the calculator ↗Freehold, POTL or condo?
Not a calculator — a guide. Three townhouses on one street can be three different things to own, and the difference shows up every month for twenty years. What each one means, and how to verify which you are buying.
Read the guide ↗Estimates for planning,
not for relying on.
Every tool here shows its working, because a number you cannot check is a number you should not trust. None of them replaces your lawyer, lender or accountant — they exist so that when you speak to those people, you already know which questions matter.
Is anything captured or sent anywhere?
How current are the rules?
Why the pre-construction focus?
Can someone walk me through my own numbers?
General information only, not legal, financial or tax advice. Rates, brackets, rebate caps and lender rules change, and eligibility depends on facts a calculator cannot see. Confirm details with your lender, lawyer or accountant for your specific situation.
We will run them
with you.
Every member of the Feras Riyal Real Estate Team uses these same tools in client meetings. If you are comparing two properties, weighing pre-construction against resale, or working out whether the move-up actually works on paper, bring your numbers and we will go through them together.
Book a consultation
Share where you are today and where you hope to go next. No pressure, and nobody will chase you afterwards.
Book a consultation →Or call Feras direct on 647 383 7111