Estimate only, based on standard GDS 39% / TDS 44% guidelines and the mortgage stress test (contract rate + 2%, minimum 5.25%). Actual approval depends on lender criteria.

Estimate only. Excludes prepayment penalties on your existing mortgage — ask your agent for an exact payout quote from your current lender.

Estimate only, based on 2026 published rates and thresholds. Toronto luxury rates above $3M and BC/foreign-buyer surcharges are not included. Confirm exact figures with your real estate lawyer before closing.

Estimate only. Assumes the cash-flow difference between owning and renting each month is invested at the stated return rate. Actual outcomes depend on market performance, life circumstances, and non-financial factors.