By accessing torontoaffordability.com (the "site"), you agree to these terms. If you do not agree, please do not use the site.
Informational purpose only
All calculators, charts, figures, and written content on this site are provided for general informational and educational purposes only. They are not financial, mortgage, lending, real-estate, tax, accounting, legal, or investment advice, and they do not constitute an offer, recommendation, or solicitation to buy, sell, or finance any property or financial product.
Every household's situation is different. Before making any purchase, borrowing, or financial decision, consult a licensed mortgage broker, financial planner, accountant, or real-estate professional who can review your specific circumstances.
No guarantee of accuracy
The site relies on third-party data — including Statistics Canada T1FF income tabulations, CMHC housing figures, and Toronto Regional Real Estate Board (TRREB) market data — together with simplified modelling assumptions described on our methodology page. Data may be estimated, rounded, out of date, or revised by its original publisher. Mortgage rules, interest rates, and prices change frequently. We make no representation or warranty, express or implied, that any figure produced by the calculators is accurate, complete, current, or suitable for your situation.
Your responsibility
You are solely responsible for any decisions or actions you take based on the site. You should independently verify all figures with the relevant lender, government agency, or licensed professional before relying on them. Qualifying for a mortgage depends on a lender's full assessment of your credit, debts, employment, and the specific property — something no general-purpose calculator can replicate.
Limitation of liability
To the fullest extent permitted by law, the site's operator is not liable for any loss or damage arising from your use of, or reliance on, the site or its content, including any errors or omissions in the data or calculations. The site is provided on an "as is" and "as available" basis without warranties of any kind.
Third-party links and advertising
The site displays advertising (through Google AdSense) and may link to external websites. We do not control and are not responsible for the content, products, or privacy practices of third-party advertisers or linked sites. See our privacy policy for how advertising cookies are handled.
Intellectual property
The original written analysis, layout, and design of this site are the property of its operator. Underlying statistics belong to their respective publishers (Statistics Canada, CMHC, TRREB, and others). You may share links to the site and quote brief excerpts with attribution, but you may not republish the site's content wholesale without permission.
Governing law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.
Changes
We may update these terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised terms. The "Last updated" date above reflects the latest revision.