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/ Run the numbers

Mortgage estimate.

First-time home buyerUnlocks LTT rebates & 30-yr amortization
Newly constructed homeAlso unlocks 30-yr amortization (insured)
Toronto propertyAdds Toronto Municipal Land Transfer Tax
Amortization
Estimated monthly payment
$0 / month
Principal & interest$0
Property tax$0
Condo / maintenance$0
CMHC premium (in loan)$0
Mortgage amount$0
While payments are estimated at your preferred rate of 5.00%, Canadian federal guidelines qualify you at a stress-tested rate of 7.00%.

Canadian semi-annual compounding. Estimate only — not a mortgage offer or financial advice.

Total cash required to close $0
Down payment$0
Ontario Land Transfer Tax (PLTT)$0
Toronto Municipal LTT (MLTT)$0
Ontario first-time buyer rebate$0
Toronto first-time buyer rebate$0
Legal fees & disbursements$1,800
Title insurance$900
8% PST on CMHC premium$0
Toronto luxury MLTT tiers applied (April 1, 2026 rates).
This is a Toronto property — buyers pay both Ontario PLTT and Toronto MLTT.
/ A quiet heads-up

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