Buying Tools for Canadian Real Estate
Affordability, mortgage payments, cash-to-close, rent-vs-buy, and offer planning.
Home Affordability Calculator
Estimate conservative, moderate, and stretch purchase scenarios using income, debts, down payment, and stress-tested payments.
Rent vs Buy Calculator
Compare buying against renting and investing with upfront cash, closing costs, net sale equity, selling costs, rent growth, ownership costs, and portfolio assumptions.
Down Payment Planner
Plan minimum down payment, 20% down payment, monthly savings timeline, target-date gap, and next steps.
Deposit Calculator
Estimate offer deposit amount and delivery timing from purchase price, local custom percentage, and minimum deposit.
Buyer Readiness Score
Score buyer readiness using income, debts, saved down payment, target price, credit confidence, pre-approval status, timeline, and emergency reserves.
Buyer Cash Needed Timeline
Build a cash-to-close timeline with down payment, offer deposit, estimated closing costs, moving costs, emergency buffer, savings pace, and closing deadline.
Rural and Acreage Buyer Cost Calculator
Estimate acreage and rural ownership costs beyond the mortgage, including heating, utilities, insurance, well/septic reserve, driveway, snow, equipment, travel, and maintenance.
Monthly Home Ownership Cost Calculator
Estimate the true monthly ownership cost beyond the mortgage, including tax, utilities, insurance, condo fees, and maintenance reserve.
Home Buying Budget Planner
Combine income, debts, savings, target price, down payment, and monthly comfort zone into a practical buying budget.
Offer Price Strategy Calculator
Build conservative, balanced, and aggressive offer bands from comparable sales, market heat, condition, budget ceiling, deposit, cash reserve, and financing comfort.
First-Time Buyer Checklist
Build a practical first-time buyer checklist from pre-approval through possession, with timing and priority prompts.
Moving Checklist
Create an eight-week moving timeline for utilities, packing, movers, address changes, cleaning, keys, and storage.
Closing Day Checklist
Plan lawyer, funds, insurance, keys, utilities, ID, final walkthrough, and possession-day handoffs.
New Home Walkthrough Checklist
Track deficiencies, photos, warranty notes, systems, finishes, appliances, exterior, and possession follow-up.
Condo Document Review Checklist
Review reserve fund, minutes, bylaws, insurance, lawsuits, budgets, fees, rentals, pets, parking, and special assessments.
Buyer Showing Checklist
Help buyers inspect layout, condition, mechanicals, neighbourhood fit, costs, restrictions, and offer risks during showings.
Alberta Closing Cost Calculator
Estimate Alberta buyer closing costs, land title registration fees, legal fees, inspection, appraisal, adjustments, and cash to close.
BC Closing Cost Calculator
Estimate British Columbia buyer closing costs with property transfer tax, legal fees, inspection, appraisal, adjustments, and cash to close.
Ontario Closing Cost Calculator
Estimate Ontario buyer closing costs with land transfer tax, Toronto municipal land transfer tax where applicable, legal fees, adjustments, and cash to close.
Calgary Home Buying Cost Calculator
Estimate Calgary buyer cash-to-close and monthly ownership costs in one planning view.
Edmonton Home Buying Cost Calculator
Estimate Edmonton buyer cash-to-close and monthly ownership costs in one planning view.
Nunavut Home Buying Cost Planner
Plan Nunavut buyer cash-to-close and monthly carrying costs with explicit source-review warnings for title, tenure, legal, utilities, travel, and remote service assumptions.
Northern Remote Homeownership Cost Calculator
Estimate remote and northern monthly ownership costs, including heating, utilities, maintenance, travel, shipping, vacancy, and service reserves.
Province-by-Province Buyer Cost Comparison
Compare buyer closing costs and cash-to-close across Alberta, British Columbia, and Ontario using the current source-backed MVP rules.
Emergency Fund After Purchase Calculator
Estimate how much cash remains after closing and how many months of ownership costs the buyer keeps in reserve.
Multiple Offer Comfort Zone Calculator
Set a disciplined bidding-war comfort zone using list price, budget ceiling, deposit, repair reserve, and post-closing cash.
Commute Cost Calculator
Compare locations by commute time, fuel, transit, parking, days on-site, and time value.
New Build vs Resale Cost Calculator
Compare new construction and resale ownership costs including upgrades, GST/HST review prompts, landscaping, appliances, delays, and carrying overlap.
Transaction Deadline Tracker
Build a practical transaction timeline for conditions, deposit, financing, inspection, lawyer documents, and possession.
Buyer Consultation Brief Builder
Create a client-ready buyer brief with goals, budget guardrails, cash requirements, search priorities, and next actions.
Offer Comparison Worksheet
Compare up to three offer scenarios by price, deposit, conditions, dates, financing, risk, and buyer cash requirements.