bots.st/homecalc-canadian-mortgage-tax-calculators

HomeCalc — Canadian Mortgage & Tax Calculators

Canadian mortgage and tax calculations

2419 ms

answered our call 8 Nov, 02:56 UTC

State: Answered
Protocol: MCP 2025-06-18
Tools listed: 34
Answered: 3 of the last 3 calls

How to reach it

MCP, HTTPhttps://homecalc.ca/api/mcp

What it can do

Tool	What it says it does
`bc_home_flipping_tax`	Estimate British Columbia's home flipping tax on a property sold within 730 days: 20% tapering to 0% between 366 and 730 days, with a $20,000 primary-residence deduction (only if held at least 365 days).
`bc_rescission_period`	British Columbia's 3-business-day home buyer rescission period: the deadline (11:59 p.m. on the third business day after acceptance, skipping weekends and BC statutory holidays) and the 0.25% fee to rescind.
`cap_rate`	Canadian rental property analysis: cap rate, net operating income, gross rent multiplier, expense ratio, annual cash flow and cash-on-cash return, with the cap rate compared to typical local yields. Mortgage math uses Canadian semi-annual compounding.
`capital_cost_allowance`	CRA capital cost allowance on a business or rental asset: class rate, year-1 CCA (half-year rule, AIIP or the post-2024 accelerated incentive, by acquisition date), tax saving at your marginal rate, a 5-year schedule, and recapture or terminal loss on disposal.
`capital_gains_tax`	Estimate Canadian capital gains tax on selling real estate, stocks, crypto, a business or a rental. Applies the flat 50% inclusion rate, principal-residence exemption, lifetime capital gains exemption for QSBC shares, capital-loss offsets and rental CCA recapture, then taxes the gain on top of…
`closing_costs`	Cash needed to close a Canadian home purchase in any province or territory: land transfer tax (with first-time-buyer rebates, Toronto MLTT, NRST), land title and mortgage registration fees (listed separately), CMHC premium + PST, legal/inspection/appraisal/moving allowances, new-build GST/HST.
`cmhc_insurance`	CMHC (mortgage default insurance) premium for any down payment under 20% on a Canadian home: premium rate and amount added to the mortgage, provincial sales tax on the premium (ON, QC, SK — paid in cash at closing), and the insured mortgage total.
`cost_of_selling`	Total cost of selling a Canadian home and what you walk away with: commission + GST/HST (province starting rates, all overridable), legal fees, mortgage discharge fee and other costs, then net proceeds after the mortgage is paid off.
`debt_service_ratio`	Gross (GDS) and total (TDS) debt service ratios from income, housing costs and other debts, against the 39% / 44% limits. Condo fees count at 50%. Use the payment at the stress-test rate for a qualifying view.
`debt_to_income`	TDS from income, housing costs and an itemised debt list. Credit cards and lines of credit with no payment given default to 3% of the balance; car and personal loans need their real payment. Returns total balance, payments, available credit and GDS/TDS vs 39% / 44%.
`heloc_second_mortgage`	Compare a HELOC with a second mortgage for tapping home equity in Canada: how much you can borrow (revolving HELOC capped at 65% LTV, total secured borrowing to 80% with an A lender), monthly payments, TDS qualification at the OSFI stress-test rate, and the same for B and private lenders.
`house_flipping`	Estimate profit on a Canadian house flip: land transfer tax (with first-time buyer rebate), renovation with contingency, holding costs, realtor commission and closing costs, then the tax bill. Flags the CRA residential property flipping rule (held under 12 months = 100% business income, no capital…
`house_hacking`	Live in one unit and rent the rest (basement suite, duplex/triplex, rooms, ADU): mortgage with CMHC, ownership costs, rent after vacancy, your true monthly cost vs renting, and the income needed to qualify with and without rental add-back.
`income_tax`	2026 Canadian federal + provincial income tax, CPP/QPP, EI, QPIP (Quebec), Ontario surtax and Health Premium where applicable, and take-home pay, for any province.
`insured_insurable_uninsured`	Broker tool: classifies a mortgage as insured, insurable or uninsurable (purchase, renewal, switch, refinance) with reasons, then GDS/TDS in each category at its rate. Renewals depend on whether a premium was paid at origination.
`land_transfer_tax`	Estimate land transfer tax on a home purchase in any of the 13 provinces and territories (incl. Toronto MLTT, Montreal welcome tax) with first-time buyer rebates, the transfer registration fee (to register the deed) and the total due at registration. AB, SK, NL and the territories charge no land…
`minimum_down_payment`	Minimum down payment for a Canadian home under the Dec 2024 CMHC rules (5% of the first $500k, 10% of $500k–$1.5M, 20% at/above $1.5M), whether CMHC insurance applies, and the premium rate.
`mortgage_affordability`	Maximum home price a Canadian buyer qualifies for: the highest price that keeps GDS (39%) and TDS (44%) within limits at the OSFI stress-test rate, honouring the Dec-2024 minimum down payment tiers and the $1.5M CMHC insurability ceiling. Returns max price, max mortgage, CMHC premium, monthly…
`mortgage_amortization`	Year-by-year amortization of a Canadian mortgage (semi-annual compounding): payment, total interest, balance at renewal, payoff year, and an annual table. Optional lump-sum / payment-increase prepayments show interest and time saved.
`mortgage_payment`	Periodic payment on a Canadian mortgage. Pass EITHER homePrice + downPayment (CMHC insurance is added under 20% down) OR loanAmount alone when the user gave the mortgage amount (e.g. "payment on a $500,000 mortgage"). Never invent a purchase price to reach a loan amount: it shifts the answer and…
`mortgage_penalty`	Estimate the penalty to break a Canadian mortgage: three months' interest vs the interest rate differential (IRD), incl. the big-bank posted-rate method. Fixed = greater of the two; variable = usually three months' interest. The three optional rate inputs are lender-specific: if omitted…
`mortgage_prepayment`	Interest and time saved by prepaying a Canadian mortgage with extra per-payment amounts, an annual lump sum, or both, plus the estimated penalty if the prepayment were over your privilege limit (3 months' interest or IRD).
`mortgage_qualifier`	Maximum mortgage and home price at the OSFI qualifying rate. mode='income': from income, debts and down payment, limited by GDS 39% / TDS 44%. mode='budget': from a monthly payment you can afford. Property tax and heating are estimated.
`mortgage_renewal`	Compare a Canadian mortgage's payment and term interest at the current rate vs the renewal rate: new payment, monthly and annual change, and extra interest over the new term. An optional lump sum at renewal reduces the balance.
`mortgage_stress_test`	Check a purchase, renewal or refinance against the OSFI stress test: qualifying rate (higher of contract + 2% or 5.25%), GDS/TDS at 39/44, pass/close/fail, max home price for a purchase, and how far off a fail is. Straight-switch renewals are exempt unless the amount or amortization increases.
`property_development`	Development pro forma for a Canadian build: land + land transfer tax, hard costs, soft costs, HST net of the new-housing rebate, construction financing, contingency, sale proceeds, profit, margin and ROI.
`property_tax`	Annual and monthly property tax from ASSESSED value (not purchase price — Ontario still uses 2016 MPAC values) for 18 Canadian cities, each published rate normalised to full assessed value (SK taxes 80%, Winnipeg 45%). Pass ratePct instead of city to use the rate on your own bill.
`real_estate_commission`	Seller's real estate commission in Canada: commission, GST/HST on it, listing vs buyer brokerage split, and net proceeds. Province sets commonly quoted starting rates (AB/BC tiered, ON/MB flat). Commission is NOT regulated — every rate is negotiable and can be overridden.
`renovation_roi`	Return on a home renovation: value added vs cost, and how that value shrinks by the time you sell (straight-line over the project's economic life — an editable HomeCalc assumption, not a measured figure), plus any net rent the work earns.
`rent_increase`	ON/BC/MB rent-increase guideline and new rent, floored to the cent. capped:false = exempt unit.
`rent_vs_buy`	Compare renting with buying over a time horizon: net cost and net wealth of each (home equity after selling vs the renter investing the down payment and monthly savings), the break-even year, and milestone years.
`reverse_mortgage`	Reverse mortgage (CHIP-style) for homeowners 55+: theoretical maximum (55% of value — the lender's published ceiling, not your approval), and how the balance compounds (semi-annually, no payments) vs home equity at 5/10/15/20 years.
`second_home_affordability`	Maximum price for a second property (cottage, rental or second home) while keeping your current home: combined TDS across both properties, subject-property GDS, minimum down payment (20% unless you'll live in it), optional rental income add-back.
`seventy_percent_rule`	Maximum purchase price for a flip under the 70% rule (or the stricter 65%): ARV × rule − repairs, plus the profit left after repairs and the commission and closing costs on the sale.

In its maker's words

34 read-only Canadian mortgage, tax and home-buying tools, including nationwide LTT coverage.

Website: homecalc.ca/connector
Publisher: homecalc.ca
Listed from: the official MCP Registry as ca.homecalc/calculators
Version: 1.2.0, updated 3 Nov 2026
Kinds of work: Finance and markets, Law, tax and government, Property and real estate

The domain it lives on

homecalc.ca: registered 16 Mar 2026 (8 months ago), at Go Daddy Domains Canada, Inc, its home page is a working site

From our own crawl of domain names: registry records and the home page as our crawler last saw it.

Every call we made

When	What happened	Time
8 Nov, 02:56 UTC	Answered	2419 ms
7 Nov, 23:38 UTC	Answered	3793 ms
7 Nov, 22:01 UTC	Answered	535 ms

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