Free calculators and planners for GTA buyers, sellers and owners. Use every one of them without signing up. When you want the number checked against real lender rates and real comparable sales, that is where I come in.
Most GTA owners have no idea how much their position has changed. Enter four numbers and see where you stand. Nothing is saved and nothing is sent unless you ask for it.
Lenders generally let you borrow up to 80% of your home’s value across all mortgages combined.
I’ll pull actual comparable sales for your street and send back a proper valuation, plus what it means if you refinance, sell or buy again.
This is an estimate based on the numbers you entered, not an appraisal or a lending decision. Actual equity depends on a current valuation, your exact mortgage terms, and any penalties for breaking your term early. Confirm with your lender before making plans.
Built for the GTA specifically, with our land transfer taxes and our lender rules already baked in.
A four-tab Excel workbook: what you can afford under the stress test, your true closing-day cash, your monthly cost of ownership, and how long until you have saved enough. Every formula is live, so change one number and the whole plan updates.
Download the spreadsheetMortgage payments, affordability under the federal stress test, Ontario and Toronto land transfer tax with first-time buyer rebates, and a full closing-cost estimate. Each one has a button to send your scenario straight to me.
Open the calculatorsThe first two update automatically from the Bank of Canada. For live lender offers, compare on Ratehub, then let me introduce you to a broker who can hold one.
Compare rates on RatehubA proper valuation from me: recent comparable sales on your street, what is competing with you right now, and the price range I would list at. Prepared by hand, not generated by an algorithm.
Request a valuationQuarterly deep dives on where the GTA market actually is, with the numbers behind the headlines. Read the condo report if you own or are thinking about buying one.
Read the reportsReal scenarios worked all the way through: 5% versus 20% down, renting versus buying, and whether your home can fund your retirement. Actual numbers, both sides of each argument.
Browse case studiesCalculators give you a starting point. A conversation gives you a plan. No pressure and no obligation.
Talk to Mo