March 2026: All files updated — Bill C-4 GST elimination (up to $50,000 savings on new builds), current stress test rates, 30-year amortization rules.
Ontario Edition · Updated March 2026

Everything you need
to buy your first home
in Ontario.

31 professional files — Excel calculators that auto-calculate, PDF checklists built for Ontario's laws, and a complete guide updated for 2026. Start with 3 free tools. Upgrade when you're ready.

31
Total files
11
Calculators
20
Worksheets
Free
To start
★★★★★ Ontario-specific · Zero formula errors · 2026 updated
3 Files Free
Ontario Home Buyer's Blueprint
Your complete step-by-step toolkit — from your first thought to closing day
Closing Cost Estimator
GDS/TDS Calculator
Down Payment Tracker
FHSA Savings Projector
Condo Buyer's Checklist
Property Viewing Checklist
Mortgage Comparison
Closing Day Checklist
$47
CAD · One-time
Instant download
31 files
📊 11 Excel Calculators
📄 20 PDF Worksheets
🇨🇦 Ontario-Specific · 2026
👤 Single & Dual Income Versions
✅ 3 Files Always Free
⚡ Instant Download
Try before you buy

Three tools. Free forever.
No email required.

Download immediately. No sign-up, no email capture, no strings. See the quality before you decide on the full toolkit.

Free · Excel Calculator
Home Price Range Calculator
Enter your after-tax income and see your comfortable and stretch home price range instantly, using Ontario's 32%/40% rule. Includes mortgage stress test estimate.
Excel (.xlsx) · Opens in Google Sheets · No login
Download Free →
Free · PDF Checklist
Property Viewing Checklist
Print one per home you view. Rate 10 categories — roof, basement, electrical, HVAC, plumbing, neighbourhood and more — with 1–5 scores. Compares homes without emotion.
PDF · 2 pages · Print or fill digitally
Download Free →
Free · PDF Guide
START HERE — Toolkit Roadmap
A visual one-pager showing every file in the toolkit, what order to use them, and what stage of the buying journey each belongs to. The first file every buyer should open.
PDF · 1 page · Your roadmap
Download Free →
💡
Why free? Because you shouldn't have to trust us blind. Download the Home Price Calculator right now and run your own numbers. If it gives you real clarity, the $47 complete toolkit becomes a very easy decision. If it doesn't — you've paid nothing and lost nothing.
2026 Ontario Programs & Rebates

Money you're entitled to.
All covered inside.

Every program below is explained in the toolkit — eligibility, amounts, and exactly how to claim it. The calculators calculate each one automatically.

Most Powerful
$40,000
First Home Savings Account (FHSA)
$8,000/year tax-deductible, grows and withdraws tax-free. FHSA Savings Projector shows exactly when you'll have enough.
$60,000
RRSP Home Buyers' Plan (HBP)
Up to $60,000 per person ($120,000 per couple) withdrawn tax-free for a first home. Repay over 15 years.
New — March 2026
$50,000
GST Elimination — Bill C-4
New builds up to $1M: GST eliminated for first-time buyers. Backdated to March 20, 2025. HST Rebate Calculator included.
$4,000
Ontario LTT Rebate
Up to $4,000 back on land transfer tax for first-time buyers. Applied at closing. Closing Cost Estimator calculates this automatically.
$4,475
Toronto MLTT Rebate
Toronto buyers stack this on top — up to $8,475 combined. Closing Cost Estimator auto-applies when you type "Toronto".
30 yr
Extended Amortization
First-time buyers can now access 30-year amortization with less than 20% down on qualifying properties. Lowers monthly payment.
Complete file inventory

31 files. 4 categories.
Nothing missing.

Every calculator, checklist, and guide — with separate versions for single and dual income buyers.

A
Budgeting, Savings & Affordability
11 files
📊
Home Price Range Calculator
32%/40% rule + stress test estimate
ExcelPDFFREE
Budget Readiness Worksheet
Emergency fund, debts, credit score, 90-day plan
ExcelPDF
🧮
GDS/TDS Qualification Calculator
Will a lender approve me? OSFI B-20 stress test.
Excel
📋
Monthly Affordability Planner — Single
Safe / Tight / Overstretch affordability meter
ExcelPDF
📋
Monthly Affordability Planner — Dual
Both partner incomes combined ratio
ExcelPDF
📈
FHSA / TFSA Savings Projector
Monthly contribution → target date projection
ExcelPDF
🏦
Down Payment Tracker — Single Income
Monthly progress, FHSA column, completion date
ExcelPDF
🏦
Down Payment Tracker — Dual Income
Partner A + B tracked separately, combined goal
ExcelPDF
B
Closing Costs & Ontario Tax Tools
6 files
🧮
Closing Cost Estimator Ontario
LTT rebates auto-calculated, CMHC, total cash at closing
ExcelPDF ×2
🏗️
Ontario HST Rebate Calculator
New builds — includes Bill C-4 GST elimination
Excel
🗓️
Pre-Construction Deposit Schedule
All stages, due dates, Tarion protections
ExcelPDF
C
Property Search, Viewing & Mortgage
5 files
🏠
Property Viewing Checklist
10 categories, 60+ items, 1–5 ratings per home
PDFFREE
🏙️
Condo Buyer's Checklist & Status Certificate Guide
Ontario Condo Act, reserve fund, 7 sections
PDF
🔨
Renovate vs Builder-Grade Guide
Decision framework for property type choice
PDF
🏦
Mortgage Comparison Sheet
4 lenders, total interest, penalty breakdown
Excel
D
Guides, Conversations & Closing
9 files
🗺️
START HERE — Toolkit Roadmap
6-stage visual guide, file-by-file sequence
PDFFREE
💬
Conversations Before Buying
6 structured conversations, notes section
PDF
🤝
Realtor & Mortgage Agent Guide
Interview questions, red flags, decision summary
PDF
Closing Day + Moving + First 30 Days
From final walkthrough to first mortgage payment
PDF
📘
Ontario Home Buyer's Blueprint
9-chapter master guide, 2026 programs and laws
PDF
Choose your plan

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Free forever
Try the Toolkit
3 files to verify quality before you commit to anything.
$0
No email · No sign-up · Instant download
Includes
Home Price Range Calculator (Excel)
Property Viewing Checklist (PDF)
START HERE Roadmap (PDF)
Get Free Files →
Most Popular
Best value
Complete Toolkit
Every file. Every calculator. Every guide. One price, one download.
Save $73 vs buying individually
$47
CAD · One-time · Instant · 31 files
Everything in Free, plus all 28 additional files including:
GDS/TDS Qualification Calculator
Closing Cost Estimator (Excel + PDF)
Budget Readiness Worksheet
FHSA/TFSA Savings Projector
Down Payment Trackers (Single + Dual)
Affordability Planners (Single + Dual)
Mortgage Comparison Sheet
Ontario HST Rebate Calculator
Condo Buyer's Checklist
Closing Day + Moving Checklist
Master Guide (9 chapters)
+ 17 more files
Get Complete Toolkit — $47 →
À la carte
Individual Files
Buy only the specific tools you need right now.
$9–17
CAD · Per file · Instant download
Popular individual files
Closing Cost Estimator — $12
GDS/TDS Calculator — $9
Condo Buyer's Checklist — $12
Master Guide (9 chapters) — $17
Mortgage Comparison Sheet — $9
Closing Day Checklist — $9
Browse Individual Files →

All prices in CAD · Files open in Excel, Google Sheets, or any PDF reader · Instant delivery after payment

À la carte

Buy only what
you need.

Every file is available individually. The $47 complete toolkit bundles all 31 files and saves you $73 — but if you need just one or two tools, pick exactly those.

Excel Calculator
GDS/TDS Qualification Calculator
Will a lender approve me? Calculates exact ratios using current OSFI stress test rate.
$9
Excel + PDF
Closing Cost Estimator Ontario
LTT, rebates auto-calculated, CMHC insurance, legal fees — total cash needed at closing.
$12
PDF Checklist
Condo Buyer's Checklist
Status certificate, reserve fund health, Ontario Condo Act. 7 sections, 70+ items.
$12
PDF Master Guide
Ontario Home Buyer's Blueprint
9-chapter guide. 2026 programs, mortgage process, 10 costliest mistakes, closing day.
$17
Excel Calculator
Mortgage Comparison Sheet
4 lenders side by side — rate, total interest, penalty structure, monthly payment auto-calc.
$9
PDF Checklist
Closing Day + Moving + First 30 Days
6-part checklist from final walkthrough to first mortgage payment date.
$9
Excel + PDF
FHSA/TFSA Savings Projector
Monthly contribution → projected balance at your target purchase date.
$9
Excel Calculator
Budget Readiness Worksheet
Emergency fund, debts, credit score, readiness score, 90-day action plan.
$9
Excel Calculator
Ontario HST Rebate Calculator
New builds — calculates rebate including Bill C-4 GST elimination (up to $50,000).
$9

All 31 files for $47 · See full bundle →

Why this toolkit

Not a realtor. Not a bank.
Built by a buyer.

🇨🇦
Ontario-specific · March 2026
Every file is built for Ontario's laws, programs, and tax structure. Updated for Bill C-4 GST elimination, current OSFI B-20 stress test rules (GDS ≤39%, TDS ≤44%), and 30-year amortization eligibility.
Zero formula errors — verified
Every Excel formula cross-checked against CMHC, OSFI B-20, and Ontario Condominium Act. Five circular references from earlier versions found and corrected before this release.
🌍
Built with newcomers in mind
Plain language throughout. Single-income versions because not everyone has a partner. Built by a first-generation immigrant woman in Mississauga who navigated this process herself and built what she wished she'd had.
"
I spent months confused and overwhelmed — everything I needed was scattered across a dozen websites. This puts it all in one place with Ontario-specific numbers that actually mean something.
— First-time buyer, Mississauga, Ontario
About the Creator

Made by someone
who lived it.

This wasn't built by a real estate agent earning a commission or a content farm recycling generic advice. It was built by a first-generation immigrant woman in Mississauga who navigated Ontario's housing market — learning what nobody tells you, what questions to ask, and what to watch out for.

The single-income versions exist because not everyone has a partner. The immigrant lens exists because the system isn't always designed with you in mind. The condo checklist exists because that's how most GTA buyers enter the market and nobody properly explains the status certificate.

31
Files included
11
Excel calculators
2026
Edition
$47
One-time · Yours forever
Questions

Everything you want to know
before you download.

What formats are the files in, and what software do I need?
11 editable Excel workbooks (.xlsx) that open in Microsoft Excel, Google Sheets (free, browser-based), or Apple Numbers. 20 PDF documents — all printable, several digitally fillable. You do not need to own Microsoft Excel. Google Sheets is free and works with every file in this toolkit.
Are the 3 free files actually free — no email, no catch?
Yes. The Home Price Range Calculator (Excel), Property Viewing Checklist (PDF), and START HERE Roadmap (PDF) are permanently free. Click the download links on this page right now with no email, no account creation, no payment information. They are yours immediately.
Is this useful if I'm 12–18 months from buying?
It's most useful at exactly that stage. Open the FHSA now — contribution room accumulates from the day you open the account, even at $0. Run the GDS/TDS calculator to know what you'll qualify for. Use the Down Payment Tracker monthly. The preparation phase is when these tools do the most work.
Who qualifies as a first-time buyer in Ontario?
It differs by program. The Ontario LTT Rebate requires you've never owned anywhere in the world. The FHSA and RRSP Home Buyers' Plan use a four-year lookback — you may qualify again even after previous ownership. The GDS/TDS calculator and Closing Cost Estimator handle each program's rules separately.
Does this cover condo purchases in the GTA?
Yes — specifically. The Condo Buyer's Checklist covers the status certificate (the most searched condo topic in Ontario), reserve fund health, Ontario Condominium Act 10-day review window, declaration and rules, AGM minutes review, and lender restrictions specific to condo buildings. The Closing Cost Estimator automatically adds Toronto MLTT and rebate when you type "Toronto".
What are the GDS and TDS limits for 2026?
Current limits per OSFI B-20 and CMHC: GDS ≤39% (insured mortgages with less than 20% down) / ≤35% (uninsured with 20%+ down). TDS ≤44% (insured) / ≤42% (uninsured). Stress test rate: your contract rate + 2% or 5.25%, whichever is higher. The GDS/TDS Calculator in the toolkit calculates all of this automatically.
What is the refund policy?
Because these are instant digital downloads, all sales are final once files are delivered. However, if any formula doesn't work correctly or a file doesn't open, contact us and we fix it immediately. Quality is guaranteed — the free files let you verify this before purchasing.
Ready to stop guessing?

Your first home
starts here.

31 files. Every calculator. Every checklist. Every conversation. One toolkit, one price, instant access.

$47
CAD · One-time payment · Instant download · 31 files
✓ Instant delivery  ·  ✓ Opens in Google Sheets  ·  ✓ Ontario-specific 2026  ·  ✓ Zero formula errors verified
All 31 files included in the complete toolkit
START HERE Roadmap
Home Price Range Calculator
Budget Readiness Worksheet
GDS/TDS Qualification Calculator
Affordability Planner (Single)
Affordability Planner (Dual)
FHSA/TFSA Savings Projector
Down Payment Tracker (Single)
Down Payment Tracker (Dual)
Closing Cost Estimator
Ontario HST Rebate Calculator
Pre-Construction Deposit Schedule
Property Viewing Checklist
Condo Buyer's Checklist
Mortgage Comparison Sheet
Renovate vs Builder-Grade Guide
Conversations Before Buying
Realtor & Mortgage Agent Guide
Closing Day + Moving Checklist
Ontario Home Buyer's Blueprint
+ 11 additional PDF worksheets