Question 1

What is ClickHomes AI?

Accepted Answer

ClickHomes AI is a real estate platform built for the Toronto region (Milton, Oakville, Burlington, Mississauga, Brampton, Toronto, and GTA). We help buyers make smarter decisions with data, sellers get top value for their properties, and agents work more efficiently with better tools—all connected to TREB/MLS.

Question 2

Which areas does ClickHomes AI cover?

Accepted Answer

We focus on the Greater Toronto Area including Milton, Oakville, Burlington, Mississauga, Brampton, Toronto, and surrounding communities. All our data comes from TREB (Toronto Real Estate Board) and covers the entire GTA market.

Question 3

Is ClickHomes AI free to use?

Accepted Answer

Yes! Core tools like property comparison, market analytics, calculators, and home valuation are free. Some advanced features or detailed reports may require signing up so we can send you results and connect you with an agent if needed.

Question 4

How does the AI assistant help me find properties?

Accepted Answer

Our AI agent can search properties based on your criteria, calculate affordability, analyze neighborhoods, answer market questions, and provide personalized recommendations—all powered by real TREB data. It goes beyond basic chat to actually complete tasks for you.

Question 5

How does the property comparison tool work?

Accepted Answer

Select up to 5 properties and compare them side-by-side with detailed metrics: price, beds, baths, square footage, property taxes, location, photos, and our comparison score. Save your comparison or get it emailed, then book a call with an agent when you're ready.

Question 6

How accurate is the home valuation estimate?

Accepted Answer

Our valuation tool uses TREB/MLS comparable sales data, market trends, and neighborhood metrics to provide an estimate. It's a great starting point for planning, but it's not a formal appraisal. For an accurate listing price, work with a licensed agent who knows your neighborhood.

Question 7

How do I connect with an agent?

Accepted Answer

Use the Contact page, request a callback from any comparison report, or reach out after using tools like home valuation or mortgage calculators. We connect you with licensed agents who serve your specific area in the GTA.

Question 8

How do you protect my data?

Accepted Answer

Your data is encrypted and stored securely. We never share your personal information without explicit consent and comply fully with Canadian privacy regulations (PIPEDA). You control your data and can request deletion at any time.

Question 9

What is the minimum down payment to buy a house in Canada?

Accepted Answer

The minimum down payment in Canada depends on purchase price: 5% for homes under $500,000; 5% on the first $500K plus 10% on the remainder for homes $500,001–$999,999; and 20% for homes $1,000,000 and above. For a $700,000 GTA home, the minimum down payment is $45,000.

Question 10

How does the mortgage stress test work in Canada in 2026?

Accepted Answer

The OSFI stress test requires mortgage applicants to qualify at the higher of their contract rate plus 2 percentage points, or 5.25%. At typical 2026 rates of 4.5–4.9%, the qualifying rate is approximately 6.5–6.9%. This reduces your maximum purchase price by roughly 15–20% compared to qualifying at your actual contract rate.

Question 11

What is the FHSA and how does it work?

Accepted Answer

The First Home Savings Account (FHSA) is a Canadian registered account for first-time buyers. You can contribute up to $8,000/year (lifetime max $40,000), deduct contributions from your taxable income like an RRSP, and withdraw the full balance completely tax-free for a qualifying home purchase. It combines the best features of an RRSP and TFSA in one account.

Question 12

What is the average house price in Milton, Ontario?

Accepted Answer

As of Q1 2026, the average sold price in Milton, Ontario is approximately $1,021,000, down roughly 2% year-over-year. Semi-detached homes and townhouses are outperforming detached. Milton remains one of the more affordable detached markets in Halton Region compared to Oakville and Burlington.

Question 13

How much is land transfer tax in Ontario?

Accepted Answer

Ontario land transfer tax uses a tiered rate: 0.5% on the first $55,000, 1.0% on $55,001–$250,000, 1.5% on $250,001–$400,000, 2.0% on $400,001–$2,000,000, and 2.5% above $2,000,000. For a $700,000 purchase the total is approximately $9,475. First-time buyers receive a rebate of up to $4,000. Toronto buyers also pay a second municipal LTT with a separate first-time buyer rebate of up to $4,475.

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