Everything you need to make smart, confident decisions — mortgage calculations, affordability checks, transaction checklists, and live market context for the GTA.
Estimate your monthly payments including CMHC insurance if applicable. Canadian stress test rate included.
Based on Canadian lending rules — GDS/TDS ratios and the stress test. Enter your household income and debts.
Under $500K: 5% minimum. $500K–$999K: 5% on first $500K + 10% on remainder. $1M+: 20% minimum (no CMHC).
You must qualify at the higher of your contract rate + 2%, or 5.25%. Currently approx. 7.19% for most buyers.
You may qualify for the First Home Savings Account (FHSA), Home Buyers' Plan (RRSP), and Land Transfer Tax rebates in Ontario.
Budget 1.5–4% of purchase price for closing costs: land transfer tax, legal fees, home inspection, title insurance.
Track your progress from first search to closing day. Click any item to mark it done — your progress saves in this browser.
Key indicators for Milton, Oakville, and the Greater Toronto Area. Updated with 2025 reference data — ask Zahid for the latest numbers.
| Area | Avg Price | Days on Market | Trend | Best For |
|---|---|---|---|---|
| Milton | ~$850,000 | 22 days | ▲ Family demand | First-time buyers, families |
| Oakville | ~$1,200,000 | 31 days | ▲ Stable luxury | Move-up buyers, executives |
| Mississauga | ~$920,000 | 26 days | → Balanced | Condos, investors |
| Hamilton | ~$680,000 | 35 days | ▲ Value play | Investors, first-timers |
| Brampton | ~$870,000 | 29 days | → Balanced | Families, semi-detached |
| Burlington | ~$980,000 | 24 days | ▲ Strong | Families, move-up |
This table is a starting point. Call or text me and I'll pull the current comps for wherever you're looking.