Calculators
Canadian math throughout — semi-annual mortgage compounding, real Ontario and Toronto land transfer brackets, the OSFI stress test, and the only Power of Sale discount estimator you'll find anywhere.
Under 20% down adds mortgage default insurance (CMHC), shown rolled into the loan. Semi-annual compounding per Canadian convention.
First-time buyer rebates: up to $4,000 provincial, up to $4,475 Toronto. Mississauga, Oakville, Milton and Burlington pay provincial LTT only — one more reason the 905 wins.
Banks qualify you at the greater of your rate + 2% or 5.25%. Estimate uses GDS 39% / TDS 44% with typical heat and tax allowances — lender results vary.
Based on observed GTA Power of Sale outcomes. Lenders must demonstrate commercially reasonable efforts on price — the discount comes from condition, as-is terms, and urgency, not fire-sale pricing. Want real candidates in this range? Get the weekly list.