Mortgage Payment Calculator
Canadian mortgage with semi-annual compounding & CMHC insurance
Canadian mortgages use semi-annual compounding. CMHC insurance applies when down payment is < 20%.
HRM Property Tax Estimator
Estimate annual property taxes based on assessed value
Rates: Urban ~$1.25/$100, Suburban ~$1.10/$100. Actual rates vary by area. Capped Assessment Program may reduce taxes for existing owners.
Deed Transfer Tax Calculator
Calculate HRM deed transfer tax including non-resident surcharge
As of April 2025, non-residents pay an additional 10% Provincial DTT unless they become NS residents within 6 months.
Closing Costs Estimator
Estimate all costs when buying a home in Halifax
Estimates only. Actual costs vary. Budget ~3% of purchase price for closing costs.
How Much Can I Afford?
Based on Canadian GDS/TDS ratios
Car payments, credit cards, student loans, etc.
GDS (housing costs) max 39%, TDS (all debts) max 44%. Property tax and heating estimated. This is not a pre-approval.