How is this different?

Built for Ontario buyers, not generic mortgage math.

We use MPAC assessed values, not listing price. Most calculators overestimate your tax by 40%.

Mortgage + property tax + insurance + utilities + condo fees + internet. One real number.

See exactly how much CMHC insurance adds, including the 30-year surcharge.

Coming Soon

HomeVerdict is growing

The cost calculator is just the start. Here’s what’s next for Ontario homebuyers.

Enter your income and debts to see exactly how much home you qualify for under the OSFI stress test.

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Compare wealth outcomes — buying vs renting + investing — over any holding period with three market scenarios.

Map your full post-purchase budget: net income, home costs, savings targets, and retirement impact.

Find schools by religion, language, and your children's ages. Includes EQAO scores for every school.

Compare up to 4 properties side-by-side on cost, commute, schools, and neighbourhood.

Walk score, commute times, nearby amenities, and local demographics for any Ontario address.

Get matched with a licensed mortgage broker who specializes in your situation and price range.

Get the verdict first

No spam. One email when new features go live.