2026 GTA mortgage calculator
Real Toronto math, including the new MLTT brackets.
On April 1, 2026, Toronto introduced graduated Municipal Land Transfer Tax rates for high-value residential properties. Most generic calculators haven't fully reflected this. This one does — including Ontario LTT, CMHC tiers, and combined first-time buyer rebates ($8,475).
Your numbers
Estimated monthly payment
$3,679.61
Principal & interest only. Carrying cost ~$4,647 /mo incl. estimated tax + maintenance.
Cash needed at close
$174,660
| Mortgage amount | $599,200 |
| Down payment | $149,800 |
| Ontario Land Transfer Tax | $11,455 |
| Toronto MLTT 2026 graduated | $11,455 |
| Legal & adjustments (est.) | $1,950 |
| Total cash at close | $174,660 |
This is an estimate, not a mortgage commitment. Toronto MLTT brackets reflect the April 1, 2026 graduated schedule. Final qualification requires assessment by a licensed mortgage broker.
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