Free Tool
Mortgage & Land Transfer Tax Calculator
A quick, rough estimate of your monthly payment and Ontario closing costs. This is a planning tool, not a lender quote — always confirm real numbers with your mortgage professional before making an offer.
Your numbers
Estimated results
Mortgage amount —
Est. monthly payment (P&I) —
Ontario land transfer tax —
Est. total closing costs* —
*Rough estimate: land transfer tax plus a placeholder allowance for legal fees, title insurance and adjustments. Actual closing costs vary by lawyer, lender and property — always get a real quote before relying on this number. Down payments under 20% also require CMHC/mortgage default insurance, not included here.
This calculator gives a rough planning estimate only and is not a mortgage quote, pre-approval, or legal/financial advice. Rates, qualification rules and closing costs vary by lender, property and buyer situation — talk to a licensed mortgage professional and real estate lawyer for real numbers before making an offer.
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