Disclaimer

For educational and planning purposes only

All calculators and information in this app are provided for educational and planning purposes only. Results are estimates based on the inputs you provide and do not constitute an offer of credit, mortgage approval, or financial advice.

Not a guarantee of approval

Actual rates, qualifying criteria, and mortgage approval are subject to lender review of your full application, including your credit history, employment, income verification, property appraisal, and supporting documentation. The numbers shown in this app may differ from what a lender ultimately offers you.

Land transfer tax estimates

Land transfer tax estimates are based on current published rates from the Province of Ontario and the City of Toronto. These rates and brackets may change due to legislative updates, and may not reflect special programs, exemptions, or recent changes. Always confirm your land transfer tax obligations with your real estate lawyer before closing.

Interest rates

Interest rates used in the calculators are provided by the user or shown as examples. They do not represent current rates offered by any specific lender. Rates change frequently. Contact a mortgage professional for current rate information.

Government programs

Information about government programs (FHSA, Home Buyers' Plan, first-time buyer rebates, and similar) is provided as a general overview. Eligibility rules, contribution limits, and program details change over time. Verify current program details with the relevant government agency or a qualified tax professional.

Consult a professional

Before making any financial decisions related to purchasing a home, you should consult with a licensed mortgage broker or agent, a real estate lawyer, and any other professionals relevant to your situation. The Mortgage Project provides tools to help you understand and explore your options, but it is not a substitute for professional advice tailored to your specific circumstances.

Contact

Questions about this disclaimer:
Rebecca Blaha, Mortgage Broker
The Mortgage Project, Inc.
hello@themortgageproject.ca
416-910-8242