Run the numbers before you offer.

A true Canadian mortgage calculation, what your payment becomes at renewal, an investor-grade cash flow analysis, and a satellite look at what sits around the property.

Mortgage Studio

Know your payment. Meet your perfect broker.

A true Canadian mortgage calculation — CMHC insurance, land transfer tax and all — then a broker recommendation matched to your situation.

20% · $300,000
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Estimates only — not financial advice or a lending commitment. Rates and rules change; your broker confirms exact numbers. Hoda receives no referral fee unless disclosed to you in writing.

Renewal Studio

Your term is up. What happens to the payment?

The Bank of Canada expects about 60% of mortgages renewing in 2025 and 2026 to come back with a higher payment. Here is what yours looks like — and the three things you can actually do about it.

Your new payment
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Have Hoda review your renewal — free
Estimates only — not financial advice, not a lending commitment, and not an offer of a rate. Payments use Canadian semi-annual compounding, the same basis your lender uses, but your own contract, insurance status and lender rules decide the real number. Amortization cannot normally be extended past 25 years on an insured mortgage, and switching lenders means requalifying. Confirm everything with your lender or a licensed mortgage broker before you sign.

Investment Analyzer

Will this property pay you?

Cash flow, cap rate and return on your money — the numbers serious investors run before they offer.

Monthly cash flow
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Cap rate
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Break-even rent
Estimates for research only — not investment advice. Rental rules, taxes and rates vary; verify with your accountant and broker before offering.

Site Lines

What is really next door?

Listing photos face the house. This faces everything else. Drop a pin and see the rail corridor, hydro line, industrial land or highway near it — and what the municipality has on file to be built around it.

Or click anywhere on the map to drop a pin, then press Scan this point. Panning and zooming never changes your result.
Red, amber and green show how close and how prominent something is — red simply means close enough that most buyers would want to walk over and look at it. They are not a rating of the property and not a statement about its value. Distances are straight-line to the nearest mapped point of each feature. Surroundings come from OpenStreetMap community data; development applications come from York Region’s open data, so that part covers Richmond Hill, Markham, Vaughan, Aurora, Newmarket and the rest of York Region only. An application on file is not a finished building — plans get changed, appealed and withdrawn, and new development can lift a street as easily as it can crowd it. It is a starting point, not a survey: mapping can be incomplete or out of date, and this tool does not value a property or judge a listing. For anything that matters to your decision, walk the street, check the municipality’s zoning and development maps, and ask Hoda to look into it with you.
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Development Index

Is this area being rebuilt, or just getting older?

A thirty-year-old bungalow means one thing on a street where houses are being split and replaced, and something else entirely on a street where nothing has been touched since it was built. These are the public records of what is actually going up.

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Homes finished counts dwelling units completed over the whole years Statistics Canada has published for every area — the years covered are printed in the column heading. The figures are reported by quarter, so whole years are summed and a part-year is left out rather than shown short, which keeps one slow quarter from making a busy place look idle. Under construction is the count standing at the latest quarter, not a total, because the same building would otherwise be counted every quarter it is still going up.

Where it is being built is the one that answers the bungalow question. York Region flags each development file as sitting inside the existing built-up area or on designated greenfield. A thousand homes rising on empty farmland tells the owner of an older house nothing. A hundred rising on existing lots tells them a great deal. Roughly half the files carry no flag, so this reads the ones that do.

Lot splits counts Consent to Sever and Minor Variance files as a share of all active files — the paperwork behind splitting a lot or replacing what stands on it.

Sources: dwelling unit counts from Statistics Canada table 34-10-0299; development files from York Region open data, which is why the last two columns cover York Region only and are marked as unpublished elsewhere rather than left blank. Statistics Canada publishes roughly twice a year, so completions run about a year behind; the York files are current. An application on file is not a finished building — plans get changed, appealed and withdrawn. This page reports what the records say and nothing further: it does not rate a property, does not forecast a price, and is not investment advice. New construction can lift a street or crowd it, and which one it does depends on the street. For a specific address, Site Lines above shows what is on file around that exact pin — and Hoda will go through it with you.
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