Selling a home: tools and calculators

Six questions on title, the mortgage, tenants, permits, timing and paperwork. The result tells you what to sort before the listing goes live. It is a starting point, not a substitute for a lawyer reviewing your situation.

Use this when you are thinking about breaking or paying off a mortgage early, to estimate three months' interest versus the interest rate differential.

Use this before a sale closes, to estimate what lands in your account after the payout, commission and closing costs.

Legal fees, disbursements, adjustments and land transfer tax.

Answer six questions about the home and get a disclosure list sorted into what the law requires, what protects the deal, and what you may keep to yourself. It is a starting point, not legal advice on what to disclose.

Enter the closing date of your sale to see when the offer, the conditions, the signing and the money fall, and how a same-day or staggered purchase fits around it. Treat the dates as typical, not fixed.

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

How much of a gain the exemption shelters.

The tax paid when applying for probate.

The customary tariff, explained.

Use this after a death, to see typical dates from the date of death through to distribution of an Ontario estate.

Net family property, step by step.

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