Tell us where you're moving from or to. We'll build a toolkit around your home, your dates and Alberta's actual costs, then keep it one tap away until you have the keys.
Built for Alberta: no land transfer tax here, but title and mortgage registration fees still apply, and sellers need a Real Property Report. Generic calculators miss both.
Pick your target possession date. Every deadline below counts back from it, using typical Alberta offer terms. Your agent will lock the real dates once an offer is signed.
Canadian mortgages compound twice a year, not monthly, so US calculators overstate your payment. This one uses the Canadian formula and adds CMHC insurance when your down payment is under 20%.
Most terms are 5 years. Slide to see your payment at renewal on the balance you'll still owe.
Lenders test you at the higher of your rate plus 2% or 5.25%, then cap housing costs at about 39% of gross income and total debt at 44%. This runs that same test on your numbers.
An estimate, not a pre-approval. Credit history, employment type and the lender's own rules change the answer. Your agent can connect you with a mortgage broker for a real one.
The money you need in the bank on possession day, beyond your mortgage. Alberta has no land transfer tax, but the province charges registration fees on the title transfer and on your mortgage.
Registration fees use Alberta's schedule: $50 plus $5 for every $5,000 of value on the transfer, and the same on the mortgage amount (in effect since October 2024). Your lawyer confirms exact amounts.
What lands in your account after the sale closes. Adjust anything; your agent will confirm fees and your lender will confirm the payout.
Tick things off as you go. Your progress stays on this device.
Anything in your kit not making sense? Ask here and you'll get a straight answer about your own numbers.
A 15-minute call to walk through your numbers. No obligation. Pick a time that works.
Estimates for planning only, not financial, legal or mortgage advice. Confirm with your lender, lawyer and agent.