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Home / Calculators
Two calculators every Ontario buyer needs — with the first-time buyer rebate and mortgage insurance built in, not hidden in the fine print.
Calculator 01
Uses Canadian semi-annual compounding. Under 20% down, mortgage default insurance is added to the loan automatically (and homes of $1.5M+ require 20% down). Estimates only — your lender's quote is the number that counts. Ravinder can connect you with mortgage brokers who compete for your business.
Calculator 02
| Price bracket | Marginal rate |
|---|---|
| First $55,000 | 0.5% |
| $55,000 – $250,000 | 1.0% |
| $250,000 – $400,000 | 1.5% |
| $400,000 – $2,000,000 | 2.0% |
| Over $2,000,000 | 2.5% |
Good news for this area: unlike Toronto, there's no extra municipal land transfer tax in Kitchener, Waterloo, Cambridge, Guelph or the surrounding towns — you pay the provincial tax only. First-time buyers get up to $4,000 refunded, which fully covers homes up to about $368,000. Estimates only, not legal or tax advice.
Calculator 03 · For sellers
Commission includes HST as shown. Doesn't include mortgage discharge penalties, adjustments or prep costs — your free evaluation includes a version of this number built for your actual home. Estimates only.
Turn them into an address. Ravinder will match your budget to the right streets.