Run the numbers before you talk to a lender.
Built on Ontario’s real rules: the stress test, CMHC insurance and Ontario and Toronto land transfer tax. They’re estimates, but they’re honest ones.
How do I know what mortgage I can afford in Ontario?
Start with the affordability calculator: it applies the federal stress test, lender debt limits (GDS 39% and TDS 44%, as of 2026), CMHC insurance and Ontario land transfer tax to your income, debts and down payment. If you already own, the refinance calculator shows whether breaking your mortgage saves money after penalties. If you’re deciding whether to buy at all, the buy vs rent calculator compares your net worth both ways over time.
Calculators
Affordability calculator
How much home you may qualify for, with the stress test, CMHC insurance and closing costs.
Refinance savings calculator
Will breaking your mortgage save money or cost you? Penalty, fees and break-even point included.
Buy vs rent calculator
Compare your net worth over time if you buy, or rent and invest the difference.
Refinance & investment strategy Coming soon
Model using home equity to invest, including cash flow, returns and risk.
Calculator results are estimates for general information only. They are not a pre-qualification, mortgage approval or commitment to lend, and they don’t replace advice for your situation. Lender policies, insurer rules and rates vary and change.
Got a number? Let’s make it real.
I’ll check your actual scenario against lender guidelines and show you the options and the total costs.
Free, secure and no obligation. It gives me your full picture, so my advice is based on your real numbers, not guesswork. Questions first? Call (519) 900-3907.