Mortgage calculator, affordability checker, live market data, and transaction checklists — all in one place. Free, no sign-up needed.
Estimate your monthly payments including CMHC insurance and Canadian stress test. Enter your numbers below.
Based on Canadian lending rules — GDS/TDS ratios and the OSFI B-20 stress test.
Under $500K: 5% min. $500K–$999K: 5% on first $500K + 10% on remainder. $1M+: 20% min (no CMHC). Investment property: 20% min regardless of price.
You must qualify at the higher of your contract rate + 2%, or 5.25%. Currently ~7.19% for most buyers. Investment properties face the same test.
You may qualify for FHSA, Home Buyers' Plan (RRSP), and Land Transfer Tax rebates in Ontario. Ask Zahid for details.
Budget 1.5–4% of purchase price for closing costs: land transfer tax, legal fees, home inspection, title insurance, adjustments.
Track your progress from first search to closing day. Click any item to mark it done — progress saves in your browser.
Real-time interest rates and current market context for Halton Region and the GTA. Data fetched live on page load.
| Area | Property Type | Avg Price | Days on Market | Trend |
|---|---|---|---|---|
| Milton | Detached | ~$1,050,000 | 18 days | ▲ Strong family demand |
| Milton | Townhouse | ~$780,000 | 20 days | ▲ High demand, low supply |
| Milton | Condo | ~$560,000 | 28 days | → Balanced |
| Oakville | Detached | ~$1,650,000 | 25 days | ▲ Stable luxury market |
| Oakville | Condo | ~$720,000 | 32 days | → Balanced |
| Burlington | Detached | ~$1,200,000 | 22 days | ▲ Strong demand |
| Burlington | Condo | ~$620,000 | 30 days | → Balanced |
| Halton Hills | Detached | ~$950,000 | 26 days | ▲ Value vs Oakville |
| Hamilton | Detached | ~$680,000 | 35 days | ▲ Investor favourite |
| Mississauga | Condo | ~$590,000 | 29 days | → Balanced |
This data is updated regularly but nothing beats a live CMA (Comparative Market Analysis) for your specific street. Call or text me and I'll pull the current sold comps for wherever you're looking — free, no obligation.