Titan Tools
In-house calculators, built for Ontario.
All 14, live. Every tool shows its source and last update date. No tool tells you what you're approved for — that's your lender's call — only what the numbers actually work out to.
Mortgage Payment
Estimated payment on a fixed-rate mortgage, based on your loan amount, interest rate, and amortization period.
Minimum Down Payment
Canada's tiered minimum down payment rule: 5% up to $500,000, 10% on the portion between $500,000–$1,500,000, and 20% minimum above $1,500,000.
Mortgage Default Insurance (CMHC)
Estimated CMHC/default-insurance premium for a high-ratio mortgage (less than 20% down), based on loan-to-value tier. Premium is typically added to the mortgage principal.
Mortgage Stress Test
Federally regulated lenders qualify you at the higher of your contract rate + 2%, or the current benchmark qualifying rate.
Ontario Land Transfer Tax
Provincial Land Transfer Tax, calculated on marginal brackets from 0.5% to 2.5%. First-time buyers can claim a rebate of up to $4,000.
Toronto Land Transfer Tax
Toronto buyers pay both the Ontario provincial LTT and the City of Toronto's Municipal Land Transfer Tax (MLTT). MLTT mirrors the province's brackets up to $2,000,000, then applies Toronto's own graduated luxury-tier rates above that, up to 8.6% over $20,000,000.
First-Time Buyer Rebate
Combined Ontario (max $4,000) and, if applicable, Toronto MLTT (max $4,475) land transfer tax rebates for first-time home buyers.
Closing Costs
A rough total of the costs due on closing, beyond your down payment. Land transfer tax is exact; legal fees, title insurance, and inspection are typical ranges — confirm with your lawyer.
Monthly Ownership Cost
Your full monthly cost of owning — mortgage payment plus property tax, insurance, condo fees, and utilities. Enter your own property tax and insurance figures, since both vary by municipality and property — this tool doesn't guess at them.
FHSA Planner
The First Home Savings Account allows up to $8,000/year, $40,000 lifetime, tax-deductible contributions — the account can stay open up to 15 years, or until age 71, or one year after your first qualifying withdrawal.
Home Buyers' Plan (HBP)
Withdraw from your RRSP tax-free to buy a first home — up to $60,000 per person ($120,000 per couple). Repayment starts the second year after withdrawal, over 15 years, at a minimum of 1/15th per year.
Rent vs. Buy
A cash-cost comparison, not a prediction — no assumptions about future home-price appreciation or rent growth, since nobody actually knows those in advance. Compares what leaves your pocket each month renting vs. owning (interest, tax, insurance, maintenance) and shows principal paydown separately, since that portion builds your equity rather than being spent.
Seller Net Proceeds
What you'd actually walk away with after paying off your mortgage, commission (+ HST), and typical closing costs. Commission rate is negotiable — enter what you've agreed.
Investment Property
Cap rate, cash flow, cash-on-cash return, and gross rent multiplier for a rental purchase — standard investor metrics. Note: lenders typically count only 50–80% of expected rental income toward mortgage qualification, and that share varies by lender.