How much equity can I take out of my Ontario home?
A practical way to estimate available equity, combined loan-to-value and the cash that may remain after fees.
Read the guideOntario mortgage broker · English & 中文
A mortgage plan you can understand.
Buying, renewing, refinancing or looking at a private mortgage? Jessie helps you compare the real cost, monthly payment and next step in plain language.
Licensed in OntarioBank, alternative & private optionsNo-pressure review
Your brokerJessie Long · M12001861
Licensed brokerageCENTUM Direct Financial Inc. · #11774
Speak directly with Jessie416-358-3608
LanguagesEnglish · 中文
Mortgage options
Help for the situation you are in.
You do not need to know which lender or mortgage type fits. Start with what you need to accomplish and Jessie can help narrow down the options.
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Buying a home
Understand your price range, down payment, monthly payment and closing costs before you make an offer.
Renewing or refinancing
Compare your new payment, available rates, penalties and whether switching lenders may make sense.
Using home equity
Estimate how much cash may be available for debt consolidation, renovations or another property.
Needing a private mortgage
Review the full cost, cash you will actually receive and a realistic plan to repay or refinance.
Free mortgage calculators
Get a useful estimate in a few minutes.
Use your own numbers to estimate affordability, payments, home equity and land transfer tax. Every result explains what it includes.
Qualification
Mortgage affordability
Estimate a maximum mortgage and purchase price using income, housing costs and debts.
Open calculator EquityHome equity & private mortgage
Estimate gross capacity, net proceeds, monthly interest and total term cost.
Open calculator PaymentMortgage payment
Compare Canadian mortgage payments, frequencies and amortization scenarios.
Open calculator ClosingLand transfer tax
Compare Ontario and Toronto tax with estimated first-time buyer rebates.
Open calculatorPrivate mortgages & property equity
Short-term flexibility needs a long-term plan.
A private mortgage can create options when timing, income, credit or a property does not fit a traditional lender. The right comparison includes the full cost, net funds and a feasible path out.
01
Net funds
What remains after payouts and transaction costs.
02
Total term cost
Interest, lender, brokerage, legal and other applicable fees.
03
Exit strategy
How and when the private mortgage is expected to be repaid.
What to expect
A simple, clear process.
01
Tell Jessie your goal
Share what you want to accomplish, your timing and the numbers you already know.
02
Compare clear options
Review payment, rate, fees, lender conditions and trade-offs side by side.
03
Apply when ready
Continue through the secure mortgage application only when the plan makes sense.
Practical mortgage insights
Understand the decision behind the number.
The true cost of a private mortgage in Ontario
Interest is only one part of the cost. Learn how lender fees, brokerage fees, legal costs and the exit plan affect the result.
Read the guideToronto vs. Markham land transfer tax: what changes?
Toronto buyers may pay both provincial and municipal land transfer tax. Compare the estimated difference before making an offer.
Read the guideA real review when you need it
Bring the scenario. Jessie will help you make sense of it.
Call directly or continue to the secure application when you are ready to share mortgage documents and detailed financial information.