Real Estate
Ottawa Real Estate Tools
Free calculators built for the Ottawa market — Canadian mortgage rules, Ontario taxes, and local averages baked in.
Mortgage Calculator
Monthly or bi-weekly payments, CMHC insurance, total interest — Canadian semi-annual compounding.
PaymentsAmortizationCMHC
Affordability + Stress Test
Canada's stress test applied. Find your maximum purchase price and GDS/TDS ratios.
Max PriceStress TestGDS/TDS
Ontario Land Transfer Tax
Tiered LTT brackets with first-time buyer rebate up to $4,000.
LTTFirst-Time BuyerClosing Costs
Rent vs. Buy
True cost comparison including opportunity cost, home appreciation, and rent increases over time.
RentBuyBreak-even
FHSA + RRSP Home Buyers' Plan
Calculate your tax-free down payment savings using Canada's first-home programs.
FHSARRSP HBPTax Savings
Closing Cost Estimator
Full Ottawa closing cost breakdown: LTT, legal, inspection, title insurance, CMHC, and more.
Closing DayLTTOttawa
Mortgage Renewal
Compare old vs. new rate at renewal. See monthly savings and lump sum impact.
RenewalRate ChangeLump Sum