Free Real Estate Calculators | Mortgage, Savings & Closing Costs

Interactive Savings Calculator

See How Much You Save

Enter your home's estimated value and instantly see your potential savings with Smart Key Realty.

Your Home Price $650,000

$100K $3M+

$650,000

Selected Home Price

Your Estimated Savings

$10,601.13

vs. traditional 2.5% listing commission

Traditional 2.5% Listing Fee $16,250.00

Smart Key Realty Base Fee $4,999.00

HST (13%) $649.87

Total Smart Key Fee $5,648.87

You Keep $10,601.13

Book a Free Consultation

Canadian Mortgage Calculator

Estimate Your Monthly Mortgage

Enter your home price, down payment, interest rate and amortization period to see your estimated mortgage payment, calculated using Canadian semi-annual compounding rules.

Home Price $650,000

Down Payment $130,000 (20%)

Interest Rate (%) 5.25%

Amortization 25 yrs

Payment Frequency

Estimated Payment

$2,847.19

per month

Mortgage Amount $520,000.00

Total Interest Paid $333,000.00

Total of All Payments $853,000.00

Get Pre-Approved

Estimate only. Canadian mortgages compound semi-annually, not in advance. CMHC insurance premiums (required when down payment is below 20%) are not included. Speak with a mortgage professional for exact figures.

Affordability Calculator

How Much Home Can You Afford?

Canadian lenders use GDS (Gross Debt Service) and TDS (Total Debt Service) ratios to determine what you qualify for. Enter your details below to get an estimate.

Annual Household Income $110,000

Down Payment $60,000

Interest Rate (%) 5.25%

Amortization 25 yrs

Monthly Property Tax + Heating $400

Other Monthly Debt Payments $300

Maximum Affordable Home Price

$540,000.00

based on your GDS/TDS qualification

Maximum Mortgage Amount $480,000.00

GDS Ratio (limit 39%) 32.5%

TDS Ratio (limit 44%) 35.8%

Talk to a Mortgage Advisor

Estimate only, using standard 39% GDS / 44% TDS guidelines and does not include the federal mortgage stress test qualifying rate. Actual qualification depends on your lender and credit profile.

Land Transfer Tax Calculator

Calculate Your Land Transfer Tax

Land transfer tax varies by province (and, in Toronto, by municipality too). Select your province and enter your purchase price to estimate what you'll owe.

Purchase Price $650,000

Province

I am a first-time home buyer

Estimated Land Transfer Tax

$8,475.00

after eligible rebates

Provincial LTT $8,475.00

Toronto Municipal LTT $0.00

First-Time Buyer Rebate -$0.00

Total Payable $8,475.00

Ask a Real Estate Expert

Estimates use standard published marginal rate tables and common first-time buyer rebate maximums as of early 2026. Municipalities outside Toronto, foreign buyer/speculation taxes, and program changes are not included. Confirm exact figures with a lawyer or notary before closing.

Closing Cost Calculator

Estimate Your Closing Costs

Beyond your down payment, budget for legal fees, land transfer tax, inspections and more. Enter your details to get a full closing cost breakdown.

Purchase Price $650,000

Province

First-time buyer

Include home inspection

Estimated Total Closing Costs

$16,800.00

typically 2.5%-4% of purchase price

Land Transfer Tax (est.) $8,475.00

Legal / Notary Fees $1,800.00

Title Insurance $350.00

Home Inspection $500.00

Appraisal Fee $350.00

Property Insurance (1st yr) $1,200.00

Total Closing Costs $16,800.00

Get a Closing Cost Checklist

Estimate only. Legal fees, title insurance, appraisal and inspection costs vary by lawyer, lender and region. Land transfer tax uses the same standard tables as our LTT calculator. Always confirm exact costs with your lawyer/notary before closing.

What We Offer

Real Estate Services, One Flat Fee

From your first showing to closing day, Smart Key Realty covers every step of buying or selling — without the traditional percentage-based commission.

Home Selling

Full MLS® exposure, professional photography, and expert pricing strategy — all for a transparent flat fee instead of a percentage commission.

Learn About Selling →

Home Buying

Personalized property searches, private showings, and skilled negotiation to help you find and secure the right home at the right price.

Learn About Buying →

Free Home Valuation

Get an accurate, no-obligation estimate of your home's current market value based on recent comparable Ottawa-area sales.

Request a Valuation →

Investment Consulting

Portfolio strategy, rental market analysis, and acquisition support for investors building or scaling their real estate holdings.

Talk to an Agent →

Transaction Support

Guidance through offers, conditions, inspections, and paperwork so nothing falls through the cracks between offer and closing.

See the Process →

Flat-Fee Listing Plans

Choose the plan that fits your sale — every tier includes MLS® exposure and full brokerage support, without the traditional commission.

See Pricing →

Recent Blog Entries

How to Sell Your Home Faster and Maximize Its Value in Today's Real Estate Market

Jul 09, 2026

Selling your home requires more than simply listing it online. Proper pricing, professional photography, home staging, strategic marketing, and expert negotiation all play a vital role in attracting qualified buyers and achieving the best possible sale price. Discover practical tips and proven strategies that can help your property stand out in a c...

First-Time Home Buyer's Guide: Everything You Need to Know Before Purchasing a Home

Jul 06, 2026

Buying your first home is one of the biggest financial decisions you'll ever make. From understanding your budget and securing mortgage pre-approval to choosing the right neighborhood and closing the deal, every step matters. Our comprehensive guide walks you through the entire home-buying process, helping you avoid common mistakes and make informe...

Ottawa Real Estate Market Update: Housing Trends, Prices & Expert Forecast

Jul 05, 2026

The real estate market is constantly evolving, making it essential to stay informed before buying or selling a property. Explore the latest market trends, average home prices, inventory levels, mortgage rate updates, and expert predictions for Ottawa and surrounding communities. Our market insights will help you better understand current conditions...

Have Questions? We Have Answers.

Learn more about our flat-fee real estate model, listing process, savings calculator, MLS exposure, and agent opportunities.

Our flat-fee model allows homeowners to sell their property for a fixed listing fee rather than paying a traditional percentage-based commission, helping sellers keep more of their hard-earned equity.

Yes. Properties listed through Smart Key Realty receive MLS® exposure and can be viewed by buyers and agents searching for homes in your market area.

Savings depend on your property's sale price. Use our Savings Calculator to compare a traditional commission structure against our flat-fee approach and see your potential savings instantly.

Absolutely. We provide guidance, transaction support, marketing assistance, and professional resources to help you navigate the sale from listing to closing.

Yes. Our website offers MLS® property search tools with filters for price, bedrooms, bathrooms, neighbourhoods, and other key criteria.

Yes. We offer flexible agent plans, mentorship, training, marketing support, and brokerage solutions designed to help agents grow their business.

Powerful Broker Tools to Grow Your Real Estate Business

Access a complete suite of professional tools designed to help brokers streamline operations, manage transactions efficiently, and scale their business with confidence.