Type in three numbers. I'll show you what you'd actually walk away with, what the move really costs, and roughly what your new mortgage would be. Same math from the video — for your home.
Your three numbers
Step 1 — Selling your townhome
Your townhome sells for
Commission (5% + HST)Ask whoever you work with exactly what you get for it
Legal fees on the sale
− $2,000
You pay off your mortgage
You walk away with
That's your real number. Not the sale price. This.
Step 2 — Buying the detached
Ontario land transfer taxOakville pays it once. Toronto pays it twice.
Legal fees on the purchase
$2,000
Home inspectionAlways get one
$700
Moving + getting your place ready
~$9,000
Your mortgage penaltyDifferent for everyone — ask your lender about your penalty and about porting
Ask your lender
Cost of the move (before your penalty)
Step 3 — Your new mortgage
Detached price
Your down paymentWalk-away money, after the buying costs above
Roughly your new mortgage
Want a rough monthly payment?
I don't quote rates — they change. Put in whatever rate your bank or broker quoted you, and I'll do the math.
Rough monthly payment
Estimate only. A broker gives you the real one — 20 minutes, free.
Want me to sanity-check these against real solds?
No pitch waiting. No pressure behind it. Sometimes one conversation is all it takes to feel grounded again.
Estimates only, based on typical costs. Not mortgage, legal, or tax advice. Your commission, legal fees, penalty, and closing costs can differ — confirm your own numbers before you decide.