Housing
TAL rent, mortgage payment, CMHC premium, borrowing capacity (GDS/TDS and stress test), notary fees, welcome tax, and prepayment penalty: 2026 figures for buying or renting.
Notary and closing costs
Fees, disbursements, title insurance, land registry, and link to welcome tax.
Borrowing capacity
Maximum price from 39%/44% GDS/TDS and qualifying rate (contract + 2% or 5.25%).
Prepayment penalty
Three months’ interest or interest rate differential (IRD) to break a fixed rate.
CMHC insurance premium
CMHC premium by loan-to-value, 25- or 30-year amortization, and Quebec tax on the premium.
Mortgage
Payment, interest, and amortization for a mortgage.
Welcome tax
Property transfer tax by municipal bracket.
2026 rent increase
TAL 2026 method: quick or detailed mode (taxes, insurance, work, services).
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