Mortgages & Housing

Plan the costs and choices around a Canadian home.

Directory open. Calculators in development. The links below connect published topic directories. Planned calculators are listed for context and will become available after their tools and explanations are ready.

Start with the decision you want to explore

A home purchase involves more than a payment amount. Separate the purchase budget, mortgage structure, transaction costs and ongoing ownership expenses before comparing scenarios. A result that fits a monthly budget may still leave too little room for repairs or a change in income.

Start with buying and affordability if you are planning a purchase. Use transfer taxes for location-specific transaction questions, mortgages for an existing loan or renewal, and investing for a property held to earn income. These areas overlap, but each answers a different part of the decision.

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Buying & Affordability

Buying a home starts with a complete budget.

Use this area to separate a purchase price from the money needed before and after closing. A mortgage-payment scenario describes one obligation; affordability also depends on existing debt, cash reserves, household spending and the terms a lender will actually offer.

Transfer Taxes & Regional Real Estate

Location and transaction details matter when a property changes hands.

This directory organizes provincial and municipal transfer-cost topics. The price of a property is only part of the information needed: the location, transfer date, property type and buyer circumstances can change which rules need to be considered.

Refinance, Equity & Mortgages

Compare mortgage structures using a consistent set of assumptions.

Renewing, refinancing or making extra payments changes more than the advertised interest rate. Compare the remaining balance, the time left on the agreement, the repayment schedule and the costs of making a change. Keep the mortgage term distinct from the full amortization period.

Real Estate Investing & Rentals

Separate rental income from the full economics of owning a property.

A rental-property comparison needs to distinguish gross rent, operating cash flow, financing, tax and a possible future sale. A favourable gross yield can hide vacancy, repairs, transaction costs or an expensive refinancing assumption.

Compare scenarios consistently

Record the date, location, amounts and assumptions behind the question before comparing results. Change one assumption at a time where possible. If two models use different time periods or include different costs, their totals do not describe the same scenario.

The topic directories explain what information to collect and which boundaries to consider. A directory is a guide to the subject, not a calculation result or a recommendation about a particular product.

Official reference points

Start with the authority responsible for the rule or program. Verify the exact jurisdiction and effective date; a general reference does not establish eligibility or a numerical result.