A real estate platform for the Greater Toronto Area. Search and compare listings, run the numbers on a purchase, sale or tenancy with fifteen calculators, look at market data by area, and connect with a licensed agent when you want one. Listings come from TRREB board data through a RESO-compliant pipeline.

The GTA and surrounding communities — Milton, Oakville, Burlington, Mississauga, Brampton, Toronto and the rest of the TRREB area. Market data goes down to neighbourhood and street level.

The tools are free and none of them are behind an account: search, comparison, all fifteen calculators, home value estimates, market analytics and the AI assistant. An account keeps your shortlist, searches and scenarios between visits — that is the only thing it adds.

No. Every calculator has a "Keep this result" panel under the answer. Enter an email and the full breakdown arrives as a PDF, with each figure marked as yours, our assumption, market data, or set by law.

Yes, and it installs to your home screen as an app. It works offline for pages you have already visited and supports push notifications for the alerts you set up.

No. We are a platform. We do not represent you, cannot advise you on a transaction, and nobody here can act on your behalf. We connect you to licensed agents who can.

The affordability calculator works it out from your income, debts and down payment, and — importantly — qualifies you at the stress-test rate rather than the rate you would be quoted. That is why its answer is lower than a simple payment sum suggests, and it is the number a lender will actually apply.

Federally regulated lenders must qualify you at the greater of your contract rate plus two percentage points, or a floor rate set by OSFI. You are approved on a payment higher than the one you would make, which is why your maximum price is meaningfully below what your quoted rate implies. Credit unions and private lenders are not always bound by the same rule.

It is tiered by purchase price, with a higher rate on the portion above the first threshold and a flat minimum above a second. Rather than restate the bands here where they can go stale, the calculator computes the exact minimum for your price and tells you whether the purchase is insurable at all.

Also called CMHC insurance. It is required when your down payment is under 20%, and it protects the lender rather than you. The premium is added to your mortgage — but in Ontario the 8% PST on that premium is not, and is due in cash at closing. That last part is the one most budgets miss.

Ontario charges it on a bracket schedule, and a purchase inside the City of Toronto attracts a second municipal tax on top — roughly doubling it. First-time buyer rebates apply to both but rarely erase either. The calculator applies the current brackets and rebates for your price and location.

Land transfer tax, legal fees, title insurance, a home inspection, the status certificate on a condo, and adjustments for tax and utilities the seller prepaid. On an insured mortgage, add the PST on the insurance premium. The tool itemises all of it for your purchase price.

All three can be used on the same purchase, and stacking them is usually the right move for a first-time buyer. The contribution and withdrawal limits are set federally and change with budgets, so check the current figures with the Canada Revenue Agency rather than trusting any third-party page — including this one.

A longer amortization lowers the payment and raises total interest — the trade is buying power now against cost over the life of the loan. Insured 30-year terms are available to first-time buyers and on new builds, with conditions. Run both and compare the total, not just the payment.

It is a range built from comparable sales nearby, with a confidence rating based on how many were found. Under three comparables it is leaning on city-wide averages and should be read as very wide. It cannot see condition, renovations, aspect or anything that made a comparable sale unusual.

Sale price less commission, HST on that commission, legal fees and your mortgage discharge — and on an investment property, possibly capital gains tax. The HST is the line most sums forget: commission attracts 13% in Ontario, which is $6,500 on a $50,000 commission.

Yes, and what it buys varies between brokerages. Worth asking specifically: what marketing is included, who runs the showings, and how offers will be presented to you.

The timeline tool breaks it into preparing, listing and showing, offers, and closing, using typical days on market for your city and property condition. Preparation is the phase most sellers underestimate.

Cleaning, decluttering and professional photography return more per dollar than a renovation, almost always. The seller workspace keeps a prep list with cost ranges so you can decide what pays.

Utilities, tenant insurance, internet and parking are usually on top, and together they routinely add $300 to $600 a month. The rental affordability tool costs it all in and shows the gap against the advertised figure.

A residential rent deposit is capped at one month’s rent, and it must be applied to the last month of the tenancy. It is not a damage deposit and cannot be spent on repairs.

For most units Ontario caps the annual increase, requires twelve months since the last one, and requires ninety days’ written notice. Units first occupied after 15 November 2018 are exempt from the cap, though the timing and notice rules still apply. The tool checks all four.

Over a short horizon renting usually wins. The crossover depends on price growth, your mortgage rate, and what the down payment would otherwise earn invested — which is why the tool asks for all three rather than assuming them.

Gross rent less vacancy between tenants, any free-month incentive, the leasing commission and your carrying costs. A unit advertised at $2,500 with one free month and three weeks of vacancy nets closer to $2,100 a month.

Listings and market statistics refresh daily rather than continuously. For the live status of one specific property — whether it is still available, whether an offer is in — the listing agent is the only reliable source.

It changes every month, so we do not print a number here that would be wrong by the time you read it. The analytics pages show current averages, days on market, sale-to-list ratio and months of inventory for the area you choose.

Days on market is how long a listing sat before selling — low means competition. Sale-to-list compares sold price to asking, so above 100% means homes are going over. Months of inventory is listings divided by monthly sales: under two is a seller’s market, over four is a buyer’s. All three are on the analytics pages for your area.

Nobody can answer that for you, and anyone who does is guessing. What we can give you is the current inventory, price trend and days on market for the specific area you are considering, plus tools to work out what you could carry. The honest general answer is that the right time is when you can afford it and expect to stay put for several years.

Browsing signed out, only your shortlist and search in this browser — nothing that identifies you. With an account, your email, name and the things you save. If you ask for a report by email, your address plus the scenario you ran, which is stated on the form before you send it.

Your contact details, the city and property type you named, the tool you came from with the scenario you had on screen, and anything you typed. The scenario is included so the first conversation is not them asking you to repeat numbers you already entered.

No. Running a tool, saving a home or building a comparison sends nothing. A lead is created only when you submit a form or ask for a report by email.

Every commercial email carries a one-click unsubscribe, in the message and in its headers, and it works without signing in. Deleting a saved search stops its alerts too. Account mail — password resets and address verification — has no unsubscribe, because it is how you keep control of your account.

No. We do not sell personal information to third parties. Your details go to an agent only when you ask to be contacted.

Yes, from your account settings. Where a lead has already gone to a brokerage, that brokerage holds its own record under its own obligations and you would need to ask them — we cannot delete data on another company’s behalf.

They are stored with your account so a conversation can continue across visits, and they are not used to train external models. If you asked to be contacted, the assigned agent can read the transcript — which is the point, so you do not have to explain yourself twice.

A lead inbox with scoring and routing, a pipeline, AI chat with handoff, showings and scheduling, tasks, email and campaigns, area farming, pre-listing packages, market data, new-home inventory, and public pages you can put your own domain on.

There is an ordered first-hour setup: notifications before leads, so nothing arrives where you are not looking, and your public page before any campaign, so you are not driving traffic to a placeholder.

No. They carry your name, your brand and your domain if you want one. They share our behaviour underneath — accessibility, consent handling, lead capture — but not our identity.

No. Lead scores, quality buckets and engagement metrics are excluded from every consumer-facing surface, and the assistant cannot report them either. That boundary is enforced in the backend rather than left to the interface to remember.

Apply through the agent page. You will need your licence details and your brokerage.