agentos Financial HQ
Exclusive calculation engine built for the Canadian luxury landscape. Verified regulatory data for 2026.
Understanding the Math
The Stress Test
Under the B-20 guideline, Canadian lenders must qualify you at a rate 2% higher than your actual contract rate or 5.25%, whichever is greater. This ensures you can handle future rate hikes.
CMHC Insurance
If your down payment is below 20%, mortgage default insurance is mandatory. Premiums range from 2.80% to 4.00% depending on your LTV ratio. In Ontario, 8% PST is applied on top of the premium.
Land Transfer Tax
Ontario uses a progressive bracket system (0.5% to 2.5%). Toronto buyers pay a second Municipal LTT. First-time buyers can claim up to $4,000 provincial + $4,475 Toronto rebate.
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