Free tool
The payment is not the whole cost.
Most calculators stop at the mortgage. This one adds property tax, condo fees and utilities, so you see what the home actually costs you every month.
- Down payment$220,000
- Total mortgage$880,000
- Total interest over 25 years$543,254
- Total of all payments$1,423,254
Estimate only. Canadian mortgages compound semi-annually, which this reflects. Insurance premiums apply when the down payment is under 20% and are added to the mortgage. Excludes land transfer tax, legal fees and closing costs. Confirm every figure with your mortgage professional.
The number most buyers miss
Budget for the repairs, not just the payment.
A home you can afford on paper can still stretch you thin if it needs a roof in year two and a furnace in year four.
Before you commit, I walk the property and tell you what is coming — what needs doing now, what can wait five years, and roughly what each will cost. That number belongs in your budget alongside the mortgage.
Get a free property estimate
Next step
Know your real budget before you shop.
Get properly pre-approved, then let’s talk about what the numbers mean for the homes you are actually looking at.