FHO
First Home Ontario
NEW BUILD & NEW HOME BUYER CENTRE
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New Home Buyer Tool

Mortgage Affordability

Determine how much home you can actually afford in Ontario. Factors in the CMHC stress test, GDS/TDS ratios, and current interest rates.

Understanding the Mortgage Affordability

This tool helps Ontario new build and pre-construction buyers model their financial journey with precision. Whether you are calculating HST rebates under the most recent 2026 legislation or estimating your total cash needed at closing, our institutional-grade logic ensures you have the most accurate data available.