Disclaimer

The calculators, figures, and content on the Canadian side of Fiscalgrove are provided forgeneral information purposes only and do not constitute financial, mortgage, tax, or legal advice. They should not be relied upon as the sole basis for any financial decision.

Estimates, not offers

Every figure produced by a Fiscalgrove calculator — monthly payments, GDS/TDS affordability, land transfer tax, CMHC insurance premiums, loan-to-value, rental yield, and so on — is an estimate based on the inputs you provide and the assumptions stated on that calculator's page. Your actual mortgage approval, rate, fees, and total cost will be determined by a federally regulated lender, credit union, or mortgage broker based on a full assessment of your circumstances, credit history, and the specific product you choose, and may differ from these estimates.

Not a lender, broker, or regulated advisor

Fiscalgrove is not a mortgage lender, mortgage broker, or licensed mortgage professional, and is not regulated by the Office of the Superintendent of Financial Institutions (OSFI), the Financial Services Regulatory Authority of Ontario (FSRA), the Financial Institutions Commission of any province, or any other Canadian mortgage or financial regulator. Arranging a mortgage in Canada typically involves a licensed mortgage broker or a federally or provincially regulated lender — before making a decision, speak to a licensed mortgage professional who can assess your full circumstances and recommend a suitable product.

CMHC and mortgage default insurance

References to CMHC (Canada Mortgage and Housing Corporation), Sagen, or Canada Guaranty mortgage default insurance on this site are for general educational purposes only. Fiscalgrove is not affiliated with, endorsed by, or acting on behalf of CMHC or any other mortgage default insurer. Actual insurance premiums, eligibility, and underwriting decisions are determined solely by the insurer and your lender.

Statutory and regulatory figures

We take care to keep statutory and regulatory figures (such as land transfer tax bands, GDS/TDS limits, the OSFI stress-test qualifying rate, and CMHC premium tiers) accurate and up to date. However, tax rules, lending rules, and insurer premiums can change, and your specific situation (province, municipality, first-time-buyer status, credit profile) may affect what you actually owe or qualify for — always confirm exact figures with a solicitor/notary, your lender, or the relevant government authority before completing a purchase, refinance, or mortgage application.

No liability

To the fullest extent permitted by law, Fiscalgrove accepts no liability for any loss arising from reliance on information or calculations provided on this site. Use of this site is entirely at your own risk.

See also our Methodology and Editorial Policy pages.