Every Fraser Valley buyer number, one tool per page.
Twenty-five calculators a first-time or move-up buyer in the Fraser Valley actually uses — mortgage payment, affordability, BC Property Transfer Tax with both exemptions, CMHC insurance, GST on new homes, closing costs, FHSA, RRSP HBP, rent vs buy, refinance break-even, and the strategy math. Each calculator has its own page so you can pull up one number without scrolling through the other twenty-four.
Monthly payment, what you can afford, what income you need, and the stress-test math.
Monthly principal-and-interest payment for any price, rate, down payment, and amortization.
Maximum purchase price based on household income, down payment, and existing debts.
Reverse calculator — the household income a lender needs to see for a target price.
What the OSFI qualifying rate does to your maximum mortgage — contract rate plus 2% or 5.25%, whichever is higher.
What 5%, 10%, and 20% really mean at Fraser Valley prices — and the federal minimum tiers.
High-ratio mortgage insurance premium by loan-to-value — what insured purchases cost vs putting 20% down.
Property Transfer Tax, first-time buyer + newly built exemptions, GST, closing costs.
The BC PTT every buyer pays at closing — 1% / 2% / 3% / 5% bracketed by price, with both exemption rules.
BC first-time buyer Property Transfer Tax exemption — full up to $835,000 fair market value, phase-out to $860,000.
BC PTT exemption for newly built homes — full up to $1.1M fair market value, phase-out to $1.15M.
Federal 5% GST on newly built homes, plus the New Housing Rebate calculation up to $450,000.
Everything beyond the down payment — PTT, legal fees, inspection, title insurance, strata documents, adjustments.
The full cheque you write at the notary — down payment plus all closing costs and adjustments in one number.
Annual municipal property tax estimate by Fraser Valley city — Surrey, Langley, Abbotsford, Chilliwack, Maple Ridge, Mission.
Amortization, accelerated payments, prepayment savings, equity, refinance break-even, rent vs buy.
Full payment schedule by year — principal, interest, and remaining balance for the life of a mortgage.
How much an accelerated bi-weekly payment saves vs monthly — and how many years it shaves off your amortization.
Interest saved and years shaved off when you put a lump sum straight against principal — within your lender's annual prepayment limit.
Total cost of renting vs buying over 5 years — including ownership carry, appreciation, and the rent counterfactual.
Projected home equity over time from principal pay-down plus modeled appreciation — paired with an invest-the-down-payment alternative.
Estimated mortgage break penalty — IRD vs three months' interest — for selling, refinancing, or switching lenders mid-term.
Months until a refinance pays for itself — break penalty plus appraisal plus legal vs the lower-rate savings.
Weighted blended rate when you increase a mortgage mid-term — your old rate blended with today's rate on new money.
How a monthly strata fee shrinks the mortgage you qualify for — half of strata is added to debt-service ratios by most lenders.
How car loans, credit card balances, and student debt reduce the maximum price a lender will approve.
RRSP Home Buyers' Plan, FHSA, strata fee impact, debt impact, blended rates, total cash to close.
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