Mortgage Calculator for GTA Property Buyers

Planning your next move with the best real estate agents like Syed Haseen Rizvi? This free mortgage calculator simplifies home buying across Toronto, Mississauga, Hamilton, and houses for sale York Region. Enter your details to see monthly payments, affordability limits, and amortization schedules based on Canada’s 2026 mortgage stress test (higher of 5.25% or contract rate +2%).

How to Use the Mortgage Calculator

Quick setup; no sign-up required. Input key numbers:

• Home price: GTA range $1.1M-$1.5M; houses for sale York Region average $1.65M.
• Down payment: 5% minimum (up to $500K), 10% ($500K-$1M), 20%+ over $1M.
• Interest rate: Current 4.0%-4.5% fixed; stress test applies qualifying rate.
• Amortization: 25-30 years to lower monthly costs
• Extras: Property taxes (0.7%), heat ($200/month), condo fees ($500 avg).

Get instant results: principal/interest split, total ownership costs, and prepayment flexibility. Example: $900K Toronto condo with 10% down at 4.2% yields ~$4,200/month payments, stress-tested at $4,800 to qualify.

Why Calculate with Syed Among the Best Real Estate Agents?

Syed pairs this tool with hands-on expertise trusted among the best real estate agents in the GTA. He reviews your numbers during complimentary consults, applying CMHC’s GDS (32-39%) and TDS (40-44%) ratios. Pre-qualify to compete on MLS listings, houses for sale York Region, or exclusive pockets in Vaughan and Markham.

Pro Tip: Maximize affordability by reducing debt or hitting 20% down to avoid CMHC insurance (2.8%-4% premium).

Ready to run scenarios for houses for sale York Region or other GTA properties? Use the calculator now, then contact Syed for a tailored strategy!