Ontario Real Estate

Mortgage Calculator

Estimate your monthly payment including CMHC insurance and Ontario land transfer tax. All calculations follow Canadian mortgage rules.

Your Details

Purchase Price

Down Payment

20.0% of purchase price · No CMHC insurance

Annual Interest Rate

Amortization

Payment Frequency

First-time home buyer

Purchasing in the City of Toronto

Estimates only — for illustration purposes. Rates, insurance premiums, and tax rules change frequently. Consult a mortgage professional for personalized advice.

Estimated Payment

$3,906.51

/ mo

CMHC InsuranceNot required

Ontario Land Transfer Tax$12,475

Total Interest (25 yrs)$531,952

Total Cost of Borrowing$1,171,952

Principal vs. Interest

Principal 55%Interest 45%