Buying a Home Centre tools and calculators

Use this to see a monthly, bi-weekly or accelerated payment for a given rate and amortization, with Canadian semi-annual compounding.

Legal fees, disbursements, adjustments and land transfer tax.

Ontario and Toronto, with the first-time buyer refund.

Six questions on financing, budget, conditions and paperwork. The result tells you what to do next, not what to buy.

Answer five questions about the home and your situation, and we list the conditions that usually belong in the offer and why. It is a starting point, not a substitute for a lawyer reviewing your specific offer.

Enter your closing date and see when each step lands, from lender instructions to keys. Treat the dates as typical, not fixed.

For new builds and substantial renovations.

How much of a gain the exemption shelters.

Tell us how you are paid, where the down payment comes from and what you are buying, and we list the documents to gather now. Your specific lender may ask for more, or less.

Interim occupancy on a new condo.

HST on an assignment sale.