Home Buyer & Owner

Provincial + Toronto land transfer tax, with the first-time buyer rebate.

How much house you qualify for — US DTI ratios or Canada's stress test.

Every knob — extra payments, accelerated bi-weekly, lump sums — for US & Canada.

Total cost of buying vs renting over your time horizon — with opportunity cost.

Half-payments every two weeks — the interest and years it saves.

Add up the one-time fees on top of your down payment.

Down payment, loan amount, and whether you clear 20%.

See how much interest and time an extra monthly payment shaves off.

Monthly mortgage insurance when you put down less than 20%.