A true Canadian mortgage calculation, what your payment becomes at renewal, an investor-grade cash flow analysis, and a satellite look at what sits around the property.
Mortgage Studio
A true Canadian mortgage calculation — CMHC insurance, land transfer tax and all — then a broker recommendation matched to your situation.
Renewal Studio
The Bank of Canada expects about 60% of mortgages renewing in 2025 and 2026 to come back with a higher payment. Here is what yours looks like — and the three things you can actually do about it.
Investment Analyzer
Cash flow, cap rate and return on your money — the numbers serious investors run before they offer.
Site Lines
Listing photos face the house. This faces everything else. Drop a pin and see the rail corridor, hydro line, industrial land or highway near it — and what the municipality has on file to be built around it.
Development Index
A thirty-year-old bungalow means one thing on a street where houses are being split and replaced, and something else entirely on a street where nothing has been touched since it was built. These are the public records of what is actually going up.
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Homes finished counts dwelling units completed over the whole years Statistics Canada has published for every area — the years covered are printed in the column heading. The figures are reported by quarter, so whole years are summed and a part-year is left out rather than shown short, which keeps one slow quarter from making a busy place look idle. Under construction is the count standing at the latest quarter, not a total, because the same building would otherwise be counted every quarter it is still going up.
Where it is being built is the one that answers the bungalow question. York Region flags each development file as sitting inside the existing built-up area or on designated greenfield. A thousand homes rising on empty farmland tells the owner of an older house nothing. A hundred rising on existing lots tells them a great deal. Roughly half the files carry no flag, so this reads the ones that do.
Lot splits counts Consent to Sever and Minor Variance files as a share of all active files — the paperwork behind splitting a lot or replacing what stands on it.
No. It is arithmetic on the figures you type in, including CMHC insurance and land transfer tax. What a lender offers depends on their own qualifying rules, your verified income and credit, and the property itself. Treat the result as a way to understand the shape of a payment, then get a real pre-approval from a mortgage broker before you make an offer.
It shows what the monthly payment becomes when your term ends, at whatever rate you enter, and what that does to the balance. It is not a forecast. Nobody knows where rates will be at your renewal, so the useful exercise is to try several rates and see which ones you could absorb.
It accounts for what you give it: price, financing, rent, vacancy, and the operating costs you enter. It cannot know a particular condo's reserve fund, a special assessment that has not been called yet, or how the income affects your tax position. Use it to compare properties against each other, and take the tax side to an accountant.
Because what sits within a walk of the front door shapes daily life more than the floor plan does, and because rating a neighbourhood is not a REALTOR's call to make. Site Lines reports what is there — transit, schools, shops, parks, what is under construction — and leaves the judgement about whether it suits you where it belongs.