Tools

Free tools for your first purchase

Built by the broker-analysts of Équipe Lefrançois. Free; a free member account unlocks the full reports and downloads.

Buy or rent: the calculator Compare buying and renting over 10 years, with 2026 figures. Am I ready to buy? A 10-question self-assessment. Down payment How much you really need, by price and property type. Borrowing capacity vs comfortable budget Why what the bank lends isn't what you should spend. Combining the FHSA + HBP How the two stack for the same down payment. Total closing costs One calculator that adds it all up. Welcome tax Bracket-by-bracket calculation, with worked examples.

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