HETAL MEHTA

Real Estate Broker®

STRAIGHT TALK. SMART MOVE.

your Journey to Dream Home starts here

Hello, I'm Hetal!

Help families find their dream homes in neighborhoods they love.

Provide top-tier selling strategies to get properties sold quickly and for the best price.

Guide investors to maximize their returns with smart property choices.

My mission is simple: to make your real estate journey smooth, stress-free, and successful. Whether you’re buying, selling, or investing, I’m here to support you every step of the way.

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Toronto1500+ Properties

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Mortgage Calculator

Payments, CMHC insurance, what you can afford, and your cash to close. Updated for 2026 rules.

Purchase price

$

Down payment

$

%

Interest rate

%

Amortization

Payment frequency

Property tax (yearly)

$

Condo fees (monthly)

$

First-time home buyer New construction

Monthly mortgage payment

$0

Total mortgage

$0

CMHC insurance

$0

Total monthly cost

$0

Mortgage free in

0 yrs

Lifetime cost

Principal Interest

Mortgage balance over time

Household income (yearly, before tax)

$

Down payment saved

$

Monthly debt payments (car, loans, credit cards)

$

Interest rate

%

Amortization

Heating (monthly)

$

Condo fees (monthly)

$

Property tax rate (% of price yearly)

%

You could afford a home up to

$0

Mortgage amount

$0

Monthly payment

$0

Stress test rate

0%

Limited by

Income

Debt service ratios at this price

GDS (housing costs ÷ income, max 39%)	0%
TDS (all debts ÷ income, max 44%)	0%

Uses the purchase price and down payment from the Mortgage Payment tab:

Property is in the City of Toronto First-time home buyer

Legal fees & disbursements

$

Home inspection

$

Title insurance

$

Adjustments & moving

$

Total cash needed to close

$0

Estimates only, for illustration. Assumes Canadian semi-annual compounding, CMHC premiums (4.00% / 3.10% / 2.80%, plus 0.20% for 30-year insured amortization), the $1.5M insured price cap, the stress test (greater of your rate + 2% or 5.25%), and Ontario and Toronto land transfer tax rates in effect October 2026. Actual figures depend on your lender, lawyer and property.