Home & mortgage

Mortgage stress test, CMHC insurance, land transfer tax, Stamp Duty and payment calculators for buying a home in Canada, the US and the UK.

How much mortgage you qualify for under the stress test (greater of your rate + 2% or 5.25%) with GDS 39% and TDS 44%.

Minimum down payment, CMHC premium, total mortgage and provincial tax on the premium for purchases under $1.5M.

Land transfer tax for Ontario, Toronto, BC, Quebec, Montréal, Manitoba, New Brunswick, PEI and Nova Scotia, with first-time buyer rebates.

Payments, interest and yearly balance with Canadian semi-annual compounding, accelerated payments and annual prepayments. Download as Excel or CSV.

Monthly PITI payment: principal, interest, property tax, home insurance, PMI and HOA dues.

Stamp Duty Land Tax for England and Northern Ireland, LBTT for Scotland and LTT for Wales, with first-time buyer and additional-home rates.

How much rent you can afford with the 30% rule, the landlord 40× rule and your existing debts.

Your tools. Your choice.