Real estate centre
Canadian real estate, by the numbers
Value a home, see what you can borrow, and underwrite rentals and commercial deals the way Canadian lenders do. Free, instant and built on CMHC and OSFI rules.
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For homebuyers and owners
Home value analysisWhat a home is worth from recent nearby sales, its assessment and its rent, with a range and a downloadable report.Open Mortgage qualificationThe stress test, your GDS and TDS limits, the CMHC premium and the cash you need at closing.Open Rent vs buyWhich leaves you wealthier over the years you plan to stay, counting every unrecoverable cost.Open
For investors and developers
Rental cash flow and cap rateA line-by-line P&L with the true cap rate, cash-on-cash, DSCR, break-even occupancy and a 10-year IRR.Open BRRRR modelerBuy, rehab, rent, refinance: how much of your capital the cash-out refinance gives back.Open Commercial DSCR and max loanThe largest loan a property's income supports at your lender's DSCR, LTV and debt-yield limits.Open
Stress test at a 4.5% rate
6.50%
Contract rate + 2%, or 5.25% if higher
Home you can buy on $120,000
$556,677
With $60,000 down and typical costs
Bank of Canada rate
2.50%
Set October 28, 2026; next decision December 9, 2026
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Rate decisions, mortgage rule changes and new tools, explained in plain language.