HomeCalc — Canadian Mortgage & Tax Calculators
mcp remote · streamable-http · v1.1.0 · source: crawl
https://homecalc.ca/api/mcp
Canadian mortgage, tax & land transfer calculators: 12 read-only tools, LTT for all 13 provinces.
Works
100
Verified Oct 31, 2026 · p50 358 ms · p95 368 ms
Worth
no data
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Checks
| Check | Weight | Result | Evidence |
|---|---|---|---|
| reachable | 20 | pass | 3 of 3 handshakes succeeded; server 'homecalc' |
| tools_listed | 15 | pass | 12 tools |
| schema_complete | 15 | pass | 11 of 12 tools have a description and a typed schema |
| latency_p50 | 10 | pass | p50 358 ms |
| latency_p95 | 5 | pass | p95 368 ms |
| error_free | 10 | pass | 0 of 3 attempts failed |
| auth_posture | 10 | pass | https, open |
| injection_scan | 10 | pass | no patterns found |
| scope | 5 | pass | no execution-style tools |
Unknown counts as fail; n/a is left out of the denominator. How the weights work.
Tools (12)
| Name | Description | Schema |
|---|---|---|
mortgage_payment | Calculate the periodic mortgage payment for a Canadian home. Call it ONE of two ways: (a) if the user gave a PURCHASE PRICE, pass homePrice + downPayment and CMHC insurance is applied when the down pa | typed |
minimum_down_payment | Calculate the minimum down payment for a Canadian home under the Dec 2024 CMHC rules (5% on the first $500k, 10% on the portion from $500k–$1.5M, 20% at/above $1.5M), plus whether CMHC insurance appli | typed |
land_transfer_tax | Estimate land transfer tax on a home purchase for all 13 provinces and territories (incl. Toronto MLTT, Montreal welcome tax), first-time buyer rebates, plus the transfer registration fee (the governm | typed |
income_tax | Calculate 2026 Canadian federal + provincial income tax, CPP/QPP, EI, QPIP (Quebec), Ontario surtax and Health Premium where applicable, plus net (take-home) pay for any province. | typed |
mortgage_penalty | Estimate the penalty to break a Canadian mortgage: three months' interest vs the interest rate differential (IRD), including the big-bank posted-rate method. Fixed = greater of the two; variable = usu | typed |
bc_home_flipping_tax | Estimate British Columbia's home flipping tax on a property sold within 730 days: 20% tapering to 0% between 366 and 730 days, with a $20,000 primary-residence deduction (only if held at least 365 day | typed |
rent_increase | Calculate the maximum allowable annual rent increase under the Ontario LTB, BC RTB or Manitoba RTB guideline for a given year, and the resulting new rent. | typed |
capital_gains_tax | Estimate Canadian capital gains tax on a disposition (real estate, stocks, crypto, a business, or a rental property). Applies the flat 50% inclusion rate, the principal-residence exemption, the lifeti | typed |
heloc_second_mortgage | Compare a HELOC against a second mortgage for tapping home equity in Canada. Returns how much you can borrow (revolving HELOC capped at 65% LTV, total secured borrowing to 80% with an A lender), month | typed |
mortgage_affordability | Work out the maximum home price a Canadian buyer qualifies for: binary-searches the price that keeps both the GDS (39%) and TDS (44%) ratios satisfied at the OSFI stress-test rate, honouring the Dec-2 | incomplete |
cap_rate | Analyze a Canadian rental property: capitalization rate, net operating income, gross rent multiplier, expense ratio, annual cash flow and cash-on-cash return, plus how the cap rate compares to typical | typed |
house_flipping | Estimate the profit on a Canadian house flip: land transfer tax (with first-time buyer rebate), renovation cost with contingency, holding costs, realtor commission, and closing costs — then the tax bi | typed |
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