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Comfort Zone vs Stretch Zone
Home Buying Reality Check

Enter your numbers once. See exactly what you can afford without losing sleep — and where you'd be pushing your limits.

Ontario Calculations CMHC + Land Transfer Tax Stress Test Included Burlington & Hamilton

For planning purposes only. Not a mortgage approval or lending commitment.

Home / Assessments / Affordability Reality Check
Your Numbers, Clearly

Tell us about your situation

No email required to run the numbers. Fill in what you know — estimates are fine. We'll calculate your comfort, balanced, and stretch zones instantly.

01 — Financial Picture
$
Combined household before tax
$
Car payments, student loans, lines of credit
$
Cash available to put toward the purchase
%
5-year fixed, or your pre-approval rate
30 years available for insured mortgages (under $1.5M, first-time or new build)
Affects Ontario LTT rebate up to $4,000
02 — Property & Lifestyle
$
Burlington avg: $5,500–$8,500 · Hamilton: $4,500–$7,500
$
CMHC uses $150 as default; adjust for older homes
Include 1% maintenance reserve?
Adds ~$833/mo on a $1M home. Recommended for freehold owners.

About the stress test: Canadian lenders must qualify you at the higher of your contract rate + 2%, or 5.25% (the Bank of Canada floor). This tool calculates both — your qualifying range (what a lender approves) and your actual monthly costs at your contract rate.

Your Results
You're in the —
Comfort Balanced Stretch Too Tight
Housing ratio at your target price: —% of gross monthly income  ·  Lender comfort: ≤ 32%
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Monthly Cost Breakdown — At Each Zone
Cost Item Comfort Balanced Stretch
Ontario Closing Costs
Based on your Comfort Zone price

These are estimates based on Ontario provincial rates. Land Transfer Tax calculated at provincial rates only (Toronto purchasers pay an additional municipal LTT). CMHC insurance is added to your mortgage, not paid upfront. Legal fees, home inspection, title insurance, and moving costs are not included in these estimates. Always confirm figures with your mortgage professional and real estate lawyer.

What This Looks Like Locally

What your ranges buy in Burlington & Hamilton

Based on your zone prices, here's a realistic picture of what you might find in today's market across Burlington and Hamilton's distinct neighbourhoods.

Next Step

Send me my Comfort Zone matches

Get a personalized summary of your results, plus curated listings in Burlington and Hamilton that fit your comfort zone budget — emailed directly to you.

Your full zone breakdown with Ontario cost estimates
Active listings matched to your comfort & balanced zones
A 15-minute strategy call — no pressure, just clarity
No spam. Real guidance from people who know this market.
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You're all set

Your comfort zone summary is on its way. We'll be in touch soon — in the meantime, feel free to explore the neighbourhood assessment too.

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