Home · Calculators & Tools

Run the numbers before you need them.

Free, no sign-up, nothing captured. Ontario rules, Canadian mortgage math, and the lines that usually only appear on a closing statement. Use them yourself — and when a figure raises a question, that is a good reason to call.

The suite

Eight tools, built for
Ontario and Halton.

Most online calculators are written for the American market and quietly get Canadian mortgages wrong. These use semi-annual compounding, the real down payment minimums, current CMHC premium bands, Ontario’s land transfer tax brackets and the HST new housing rebate as it actually works.

01 —

Monthly carrying cost

Mortgage, property tax, condo or POTL fee, utilities and insurance in one number — plus the mortgage insurance premium, the provincial tax on it, and the household income a lender will want to see behind it all.

Open the calculator
02 —

Land transfer tax

What you owe on closing, bracket by bracket, with the first-time buyer rebates and Toronto’s second municipal tax — and what the same purchase would cost on the other side of the Halton border.

Open the calculator
03 —

Pre-construction vs resale

Five Halton scenarios modelled over the same horizon, including deposits, occupancy fees and what you pay for housing while you wait — and the appreciation rate at which the two paths break even.

Open the calculator
04 —

HST rebate on a new build

What the new housing rebate is worth inside a builder’s advertised price, and exactly when an investor has to hand it back in cash at closing. The most common expensive surprise in pre-construction.

Open the calculator
05 —

Pre-construction deposits

Turn a builder’s deposit structure into dated cheques and running totals, with the cooling-off period that does or does not apply and the closing costs the price never includes. Print it or copy it.

Open the tool
06 —

First-time buyer roadmap

The whole cash requirement split by when each piece is due — at the offer, during conditions, on closing day and after the keys. Including the costs that never appear in a mortgage calculator.

Open the calculator
07 —

Sell first or buy first

Prices both risks with your numbers — carrying two homes and bridge interest against an interim move and a rushed purchase — then gives you a recommendation you can argue with.

Open the calculator
08 —

Freehold, POTL or condo?

Not a calculator — a guide. Three townhouses on one street can be three different things to own, and the difference shows up every month for twenty years. What each one means, and how to verify which you are buying.

Read the guide
How to use them

Estimates for planning,
not for relying on.

Every tool here shows its working, because a number you cannot check is a number you should not trust. None of them replaces your lawyer, lender or accountant — they exist so that when you speak to those people, you already know which questions matter.

Is anything captured or sent anywhere?
No. Every calculation runs in your browser. Nothing you type is transmitted, stored or logged, and there is no sign-up wall. If you want a figure reviewed properly, call — but that is your decision, not a condition of using the page.
How current are the rules?
The tax brackets, rebate caps, down payment minimums, insurance premium bands and stress-test rule are held in one shared file and reviewed as they change. Rules do move, and the amounts here are large enough that you should confirm anything you intend to act on with your lawyer or lender.
Why the pre-construction focus?
Because Halton has a great deal of it, and because pre-construction is where the gap between the advertised price and the real cost is widest — deposits, occupancy fees, levies, Tarion enrolment and the HST rebate question. Four of the eight tools here exist specifically to close that gap. See current projects
Can someone walk me through my own numbers?
Yes, and there is no obligation attached. Send the figures or the listing and you will get a straight answer. Plenty of people start this conversation a year or more before they move.

General information only, not legal, financial or tax advice. Rates, brackets, rebate caps and lender rules change, and eligibility depends on facts a calculator cannot see. Confirm details with your lender, lawyer or accountant for your specific situation.

For our clients

We will run them
with you.

Every member of the Feras Riyal Real Estate Team uses these same tools in client meetings. If you are comparing two properties, weighing pre-construction against resale, or working out whether the move-up actually works on paper, bring your numbers and we will go through them together.

Free & no obligation

Book a consultation

Share where you are today and where you hope to go next. No pressure, and nobody will chase you afterwards.

Book a consultation

Or call Feras direct on 647 383 7111

Let's make your next move make sense.

Share where you are today and where you hope to go next. Feras will help you map the path between them — no pressure, no obligation.

Book a Consultation