Home buying calculators
Estimate Ontario and Toronto land transfer tax and your Canadian mortgage payment.
Ontario and Toronto rates for a home with one or two single-family residences. Toronto's higher rates above $3 million took effect April 1, 2026.
Estimate only. Eligible first-time buyers can get up to $4,000 back from Ontario and $4,475 from Toronto. Your lawyer confirms the final amount.
Interest compounds semi-annually, as on Canadian fixed-rate mortgages. The rate shown is an example; ask your lender for today's rate.
Estimate only. Minimum down payment: 5% of the first $500,000 and 10% of the rest; 20% on homes of $1.5 million or more. Under 20% down requires mortgage insurance.
Wondering what else to budget for? Read closing costs to budget for in Ontario.
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