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Comprehensive Transaction Analysis

Ontario-accurate purchase math: down payment and CMHC insurance, land transfer tax with first-time buyer rebates, closing costs, mortgage payments on semi-annual compounding, and your true monthly carrying cost. Switch tabs to size your buying power with GDS/TDS, or open Housing Security to model equity, HELOC room, and rent-vs-buy.

All calculations are estimations and not to be taken as advice.

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Income & debts

Gross Annual Income

Used to qualify GDS/TDS and shared with Housing Security

Monthly debt payments

Cars, loans, credit cards

Cash and savings available

Funds toward your purchase; shared with Transaction Analysis

Housing costs & rate

Annual property tax

Heat (monthly)

Condo fees (monthly)

50% counted in ratios

Expected Interest Rate

Shared with Transaction Analysis

GDS threshold

TDS threshold

Apply stress test

Greater of rate + 2% or 5.25%

Maximum purchase price

$0 mortgage + $0 down, qualified at 6.4%.

Ratio breakdown

Gross monthly income

Non-mortgage housing

Tax + heat + 50% condo

Max payment, GDS (39%)

Max payment, TDS (44%)

Binding limit (GDS)

Lower of the two ratios governs

GDS caps housing costs as a share of income; TDS adds your other debts. Lenders qualify you at the stress-tested rate, so your true buying power is usually lower than the contract rate implies.

Disclaimer: Results are estimates for planning purposes only and do not constitute financial, mortgage, or legal advice. Land transfer tax, insurance premiums, and lending ratios vary by lender and change over time. Confirm all figures with a licensed mortgage professional and real estate lawyer.