Tools for London buyers and sellers
Free tools for buying in London and the towns around it, using figures checked against the official sources. Start with What your budget buys in London, which maps how many homes are listed at or under your price in every neighbourhood. Then work out your payment, your land transfer tax (London has no municipal land transfer tax), your mortgage insurance and the price a lender is likely to approve.
London only
What your budget buys in London
Set a budget and see how many homes are listed at or under it in each London neighbourhood and nearby town, with the typical home at that price. Then share the map.
Four calculators, one set of official numbers
Each one works live as you type, and every result has a link you can send to a partner or your lender.
- Example$3,338a month$650,000, 10% down, 4.5%, 25 years, CMHC premium $18,135 included
Mortgage calculator
Your payment and how the balance falls, with a full amortization chart.
- Example$542,000$120,000 household income, $60,000 down, 4.5%, $5,000 property tax and $150 a month heating, no other debts
Affordability calculator
What price fits your income, debts and down payment, using the lenders' own limits.
- Example$9,475on $650,000, or $5,475 for a first-time buyer. No municipal tax in London.
Land transfer tax calculator
Ontario land transfer tax for a London home, with the first-time buyer refund of up to $4,000. London has no municipal land transfer tax.
- Example$18,1353.1% of a $585,000 loan on $650,000 with 10% down, plus $1,451 sales tax at closing
CMHC insurance calculator
The mortgage default insurance premium when you put down less than 20%.
Examples are illustrations with the inputs shown, not quotes or market figures. Open any one to change the numbers.
Numbers are the start. We can help with the rest.
Talk to us before you shop. We can point you to local mortgage professionals, explain what a home like the one you want costs to run, and set up alerts in your price range.