Financing Made Simple

Calculate mortgage payments, explore creative financing options, and find the perfect solution for your home purchase. Our expert guidance makes financing straightforward and accessible.

Mortgage & Financing Calculators

Use our comprehensive tools to plan your home purchase

Mortgage Calculator

Enter your details to calculate your mortgage payment

Advanced Tools

Enter mortgage details above to generate amortization schedule

Prepayment Options

See how extra payments can reduce your mortgage term and save on interest

Additional principal payment per year

One-time annual payment (e.g., bonus, tax refund)

Enter prepayment amounts to see savings

Ontario Closing Costs Calculator

5% Down vs 20% Down Comparison with Land Transfer Tax

Drag to see how rates from 3% to 7% affect both scenarios

Enter home price above to see 5% vs 20% comparison

Includes CMHC insurance, Land Transfer Tax, and First-Time Buyer rebates

ON Ontario Provincial LTT Brackets

  • Up to $55,000: 0.5%
  • $55,001 - $250,000: 1.0%
  • $250,001 - $400,000: 1.5%
  • $400,001 - $2,000,000: 2.0%
  • Over $2,000,000: 2.5%

FTHB Rebate: Up to $4,000

TO Toronto Municipal LTT Brackets

  • Up to $55,000: 0.5%
  • $55,001 - $250,000: 1.0%
  • $250,001 - $400,000: 1.5%
  • $400,001 - $2,000,000: 2.0%
  • Over $2,000,000: 2.5%

FTHB Rebate: Up to $4,475

Creative Financing Solutions

Explore alternative financing options beyond traditional mortgages to make your home purchase possible

Private Mortgages

Alternative lending solutions for those with credit challenges, self-employed individuals, or unique property situations. Higher rates but more flexible approval criteria.

  • • Faster approval process
  • • Flexible income verification
  • • Credit repair friendly
  • • Short-term solutions available

First-Time Buyer Programs

Government programs and incentives designed to help first-time homebuyers get into the market with lower down payments and reduced costs.

  • • First-Time Home Buyer Incentive
  • • Home Buyers' Plan (HBP)
  • • Land transfer tax rebates
  • • CMHC Green Home program

HELOC & Home Equity

Leverage your existing home equity for renovations, investments, or debt consolidation. Flexible access to funds with competitive interest rates.

  • • Access up to 80% of home value
  • • Interest-only payments
  • • Revolving credit line
  • • Tax-deductible interest (conditions apply)

Credit Repair Services

Professional guidance to improve your credit score and qualify for better mortgage rates. Strategic planning for homeownership success.

  • • Credit score analysis
  • • Debt consolidation strategies
  • • Payment optimization
  • • Timeline planning

Investment Property Financing

Specialized financing solutions for rental properties, fix-and-flip projects, and multi-unit buildings. Maximize your investment potential.

  • • Rental property mortgages
  • • Construction financing
  • • Bridge financing
  • • Commercial lending

Construction & Renovation

Financing for new construction, major renovations, and home improvements. Progress draw mortgages and renovation loans available.

  • • Progress draw mortgages
  • • Purchase plus improvements
  • • Refinance plus improvements
  • • Construction completion loans

Your Financing Journey

We guide you through every step of the financing process, from pre-approval to closing

1

Pre-Approval

Get pre-approved for a mortgage to understand your budget and strengthen your offers. This crucial first step gives you confidence in your home search.

2

Home Search

With your pre-approval in hand, search for homes within your budget. We'll help you find properties that match your criteria and financing situation.

3

Final Approval

Once you find your home, we finalize your mortgage approval with the lender. This includes property appraisal and final documentation review.

4

Closing

We coordinate with your lawyer, lender, and all parties to ensure a smooth closing. You'll get your keys and begin your new chapter as a homeowner.

Sathi and Sai Real Estate Team
Sathi and Sai Real Estate Team

Need Creative Financing?

Every situation is unique. Whether you have credit challenges, are self-employed, or need a non-traditional financing solution, we can help.

Meet Team us directly to discuss your specific needs. We work with multiple lenders and have access to private mortgage solutions that may work for you.