What is KnowYourProperty?

The ultimate AI-powered Canadian property platform. Everything you need to know about buying, selling, managing, leasing, and growing your real estate investment, all in one intelligent, trusted hub.

Knowledge Hub

Property Guides & Education

Comprehensive guides on every aspect of Canadian real estate — from first-time buying to commercial investment.

Top Property Calculators

Run the numbers on any Canadian real estate decision — mortgages, affordability, closing costs, and insurance.

Mortgage

Your monthly mortgage payment is the foundation of your housing budget. This calculator shows exactly what you'll pay each month, how much goes to interest vs. principal, and the total cost over your amortization period — so you can compare rates, terms, and down payments before committing.

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Affordability

Knowing your max purchase price before house hunting saves time and prevents disappointment. This calculator uses the standard 32% GDS ratio — the guideline most Canadian lenders follow — to estimate how much home your income and down payment can support.

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Closing Costs

Closing costs are the hidden expense that catches many buyers off guard — typically 1.5–4% of the purchase price on top of your down payment. This calculator breaks down land transfer tax, legal fees, inspections, and insurance by province, including Toronto's double tax.

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CMHC Insurance

If your down payment is under 20%, Canadian law requires mortgage default insurance (CMHC or private equivalent). This premium is added to your mortgage and affects your total cost. This calculator shows the premium tier based on your down payment and how it impacts monthly payments.

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