A mortgage offer isn't the same as what you can really spend. Enter your savings and income to see the most you could pay, after the deposit, every buying cost and tax, and common lending limits. Free.
Costs on top of the price
CA$13,975
Other buyer · Ontario (outside Toronto) ·
What do you want to work out?
The most you could pay, from your savings and income, after the deposit, buying costs and usual lending limits.
You could buy a home up to about
Mortgage
CA$786,903Deposit
CA$206,164Buying costs
CA$18,836Monthly repayment
CA$4,419If rates rise 1%
CA$4,879Savings used
CA$225,000A rough guide from common lending limits in Canada (repayments up to about 39% of income, at most 95% of the price, terms up to 30 years). Not a mortgage offer or advice: lenders look at your debts, spending, credit history and the home itself. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Reach people working out the cost of buying in CanadaFor lawyers, brokers, surveyors and agents serving Canada. Shown only on these pages, labelled as sponsored.Where are you buying?
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Questions
Lenders in Canada usually keep the mortgage repayment under about 39% of your gross income, checked as if interest rates were higher than you'll pay. Enter your income above to see what that means for you.
Lenders usually lend up to about 95% of the price to people who live in Canada, so you need a deposit of at least 5%. On top of that, buying costs come to about 1.9% of the price. If you live abroad, many lenders lend at most 65%.
Other buyer in Ontario (outside Toronto): land transfer tax is about CA$11,475. All buying costs together come to about CA$13,975, or 1.9% of the price. Change the price or buyer type above to see your own figure.
In Ontario, buyers who aren't Canadian citizens or permanent residents pay a 25% Non-Resident Speculation Tax. In parts of British Columbia, including Greater Vancouver, foreign buyers pay an extra 20%.
As a citizen or permanent resident, the foreign-buyer rules don't apply to you.
A Canadian real estate lawyer. A Social Insurance or tax number if you'll rent it out.
We last updated the figures on 16 Oct 2026 and checked them against official sources on 16 Oct 2026. We check every country every week, and show a warning if a check is overdue.
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