Smart Sellers Tool
    Smart Sellers Tool
    Canada + U.S. planning workspace

    Plan the home purchase with the full picture in view

    Work through price, monthly cost, payment shock, and cash needed at closing in one client-ready estimate. Change a shared assumption once and every connected result updates.

    Four questions, one conversation

    • How much home price fits the income and debt picture?
    • What monthly housing cost should the buyer plan around?
    • What happens if the comparison rate is higher?
    • How much cash may be needed beyond the down payment?

    Estimates only. This workspace supports planning and comparison. Bring the estimate to a licensed mortgage broker or lender to verify current rates, income treatment, credit, taxes, insurance, lender rules, and closing charges.

    Saved on this device only. Your entries stay in this browser and are never added to a shareable link.

    Purchase

    Set the jurisdiction, currency, home price, and cash you plan to put down.

    Country-specific payment, qualification, insurance, and closing assumptions follow this choice.

    Currency follows the purchase country so the summary stays easy to read.

    CAD

    Purchase price before the down payment.

    CAD

    Cash applied to the purchase price.

    Borrower

    Use household income and recurring debts for the affordability view.

    CAD

    Income before tax used for this planning estimate.

    CAD

    Car loans, credit obligations, support payments, and other recurring debts.

    Mortgage

    Test the rate, repayment timeline, frequency, and mortgage-insurance assumption.

    %

    Enter the rate you want to test, not a live rate pulled from a lender.

    Years used to repay the mortgage in this estimate.

    Accelerated payments divide the monthly payment by two or four.

    Adds the estimated CMHC premium to the mortgage balance.

    Monthly housing costs

    Add the costs that make a payment estimate feel closer to a real monthly budget.

    CAD

    Annual estimate for the home you are considering.

    CAD

    Recurring energy or utility allowance.

    CAD

    Home insurance estimate, separate from mortgage insurance.

    CAD

    Cash cost shown in full. Ratio treatment varies by country.

    Closing details

    Review the cash required beyond the down payment, using transparent jurisdiction-specific inputs.

    Ontario uses the modeled provincial schedule. Enter a local amount for other jurisdictions.

    Adds the Toronto municipal land-transfer-tax estimate when Ontario is selected.

    Includes the modeled Ontario and Toronto rebates when applicable.

    Canada closing costs

    CAD
    CAD
    CAD
    CAD
    CAD

    Estimated adjustments owed to the seller at closing.

    CAD

    Enter the tax amount payable on a Canadian mortgage-insurance premium.

    CAD
    CAD

    Credits reduce cash needed at closing, subject to transaction and lender rules.

    Review the assumptions before you rely on a number

    This workspace uses the four Smart Sellers Tool mortgage definitions for payment, affordability, payment shock, and closing costs. A licensed mortgage broker or lender should verify current rates, income treatment, credit, taxes, insurance, lender rules, and local closing charges.