Guides, Calculators, Checklists & FAQs
Explore practical, plain-English resources for first-time buyers, refinances, HELOCs, debt consolidation, investment properties, self-employed strategies, and more—created by Ontario-licensed professionals.
Start with these popular guides and tools
Complete step-by-step checklist covering pre-approval, house hunting, offers, and closing for Ontario first-time buyers.
Understand how to calculate your break-even point and estimate penalties when considering a refinance.
Compare home equity lines of credit and refinancing to determine the best option for accessing your home equity.
Everything you need to make informed mortgage decisions
Powerful tools to help you plan your mortgage
Find out how much home you can afford based on your income and expenses
Calculate your monthly mortgage payments with different rates and terms
See how much you could save by refinancing your current mortgage
Calculate Ontario land transfer tax and potential rebates
Free guides and resources to download
Understanding the language of mortgages
The length of time it takes to pay off your mortgage in full
A lender's commitment to lend you a specific amount based on your financial situation
An interest rate that stays the same for the entire term of your mortgage
An interest rate that can change during your mortgage term based on market conditions
Mortgage default insurance required when your down payment is less than 20%
A provincial tax paid when purchasing property in Ontario
Additional expenses beyond the purchase price, typically 1.5-4% of home price
The difference between your home's value and what you owe on your mortgage
Current market insights and mortgage strategies
5-year fixed starting rate
Fixed rates provide payment stability and protection from rate increases during your term.
Variable starting rate
Variable rates can offer savings if rates decrease, with the flexibility to lock in later.
Bank of Canada holding steady
Rates expected to remain relatively stable in the near term with potential for gradual decreases.
Rates shown are for illustrative purposes. Actual rates vary based on qualifications. Last updated: 12/10/2025
Government programs and what to budget for
Shared equity mortgage with the Government of Canada (5-10% of home price)
Up to $4,000 rebate on Ontario land transfer tax for first-time buyers
Withdraw up to $35,000 from RRSP for down payment
HST rebates available for new construction purchases
Deep dive into specific mortgage solutions
Real feedback from people who used our resources
The resources on this site helped me understand the entire mortgage process before I even reached out. When I did contact them, I felt prepared and confident.
The calculators and guides made it so easy to figure out what I could afford. Highly recommend checking out their resources before house hunting!
As a first-time buyer, I was overwhelmed. Their downloadable checklists and guides walked me through every step. Couldn't have done it without these resources!
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