Free Tools · Ontario Real Estate
Ontario Real Estate Financial Calculators
Know your numbers before you buy. Use these free calculators to estimate your HST new build rebate and monthly mortgage payment.
2026 Ontario HST New Build Rebate Calculator
When you buy a newly constructed home in Ontario, you pay HST on the purchase price. However, if you intend to use the property as your primary residence (or your immediate family member's primary residence), you may qualify for a partial rebate of the HST paid.
This calculator estimates your Ontario HST rebate based on current CRA rules for new residential housing.
- Federal rebate: Up to $6,300 (for homes under $450,000)
- Ontario rebate: Up to $24,000 (for homes under $400,000)
- Above these thresholds, rebate amounts phase out
- This tool provides an estimate — always verify with your real estate lawyer
Canadian Mortgage Payment Calculator
Use this calculator to estimate your regular mortgage payment based on your purchase price, down payment, interest rate, and amortization period.
Canadian mortgages use semi-annual compounding by law. This calculator applies the correct Canadian mortgage formula to give you an accurate estimate.
- Minimum 5% down payment for homes under $500,000
- 10% on the portion between $500,000–$999,999
- 20% down required for homes $1M and above
- CMHC mortgage insurance applies on down payments below 20%
Have questions about your numbers?
These calculators give you a starting point. Let's talk about what they mean for your specific situation.
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