Mortgages & Home

Find the most your landlord can raise rent in 2026 or 2027 under Ontario’s guideline and B.C.’s annual limit, with notice rules and exemptions explained.

Calculate your CMHC mortgage insurance premium from the price and down payment, with the 30-year surcharge, the $1.5M cap and sales tax in ON, QC and SK.

Calculate Quebec’s welcome tax (transfer duties) for 2026 with the indexed brackets, Montréal’s higher rates and the new first-home refund of up to $5,875.

Calculate BC property transfer tax for 2026: 1, 2 and 3 percent rates, the extra 2% over $3 million, plus first-time buyer and newly built home exemptions.

Calculate Ontario land transfer tax and Toronto’s municipal land transfer tax, including the new rates above $3 million from April 2026 and the first-time buyer rebates of up to $8,475.

Calculate how much your First Home Savings Account could grow to and the tax savings from FHSA deductions, with the $8,000 annual and $40,000 lifetime limits explained.

Calculate how much house you can afford in Canada with the mortgage stress test, the 39% GDS and 44% TDS limits, minimum down payment rules and CMHC insurance.

Calculate Canadian mortgage payments with semi-annual compounding, CMHC insurance premiums, minimum down payment rules and monthly, bi-weekly or accelerated payments.