Ontario Real Estate
Financial Calculators
Run the numbers before you commit. Free tools — no signup required.
2026 Ontario HST
New Build Rebate
When you purchase a newly built home in Ontario, you may qualify for a rebate on the HST paid. The federal portion rebates up to 36% of the 5% GST, and Ontario offers an additional rebate of up to 75% of the 8% provincial portion — but both have thresholds that affect your actual refund.
The federal rebate phases out between $350K and $450K purchase price. The provincial rebate is capped at $24,000 with no phase-out for primary residences.
Important: This calculator provides an estimate for educational purposes. Always consult a tax professional before closing.
Mortgage Payment
Calculator
Estimate your monthly mortgage payment using standard Canadian semi-annual compounding. Includes automatic CMHC insurance calculation for down payments under 20%.
Land Transfer Tax
Calculator
When you purchase a property in Ontario, you pay Land Transfer Tax to the province — and if you're buying in the City of Toronto, you pay a second municipal tax on top of that. First-time buyers may qualify for rebates on both.
Use this calculator to estimate your total LTT payable at closing, with first-time buyer rebates applied automatically. Toronto buyers: select "City of Toronto" to include the municipal layer.
Land Transfer Tax
Calculator
Ontario & Toronto · Current Rates
Estimates are based on current Ontario and City of Toronto Land Transfer Tax rates and are provided for informational purposes only. They do not constitute legal or financial advice. Consult a real estate lawyer for exact figures applicable to your transaction.
Want Arittra to run the numbers with you?
These numbers are a starting point. Let’s talk about what they mean for your specific situation.
Whether you’re buying a new build, refinancing, or evaluating an investment property — a 15-minute conversation with a financial-first realtor can save you thousands.
Numbers look good? Let’s make it happen.
Arittra will help you understand what these numbers mean for your specific deal.
Start the conversation Call (647) 994-1590CENTURY 21 Percy Fulton Ltd. Brokerage
INFO & SERVICES
CENTURY 21 Percy Fulton Ltd. Brokerage
2911 Kennedy Road, Toronto, ON M1V1S8
(416) 298-8200
INFO & SERVICES
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