- Home
- Investment calculator
Pre-construction investment calculator
Pick a price, a deposit structure and your assumptions. See what you’ll have in before closing, what you could own at closing, and whether the rent covers the carrying costs.
Purchase
Financing at closing
Renting it out
Value vs mortgage balance
Email me this analysis
We’ll send these numbers to your inbox, and can run them against real Erin price lists if you’d like.
For illustration only. Results depend entirely on your assumptions and are not a forecast, appraisal, mortgage approval, or financial or tax advice. Values can fall. HST rebates, assignment rules and taxes on gains are not included. Erin Glen prices already include an HST credit for eligible buyers.
Want real numbers instead of assumptions?
Register and we’ll send you actual price lists, deposit structures and incentives for every Erin release, so you can plug in the real figures.
- Price lists, floor plans and deposit structures as soon as they’re out
- First pick of lots before public launch weekends
- Straight answers on which models and lots hold value
Calculator questions
How do I calculate return on a pre-construction home?
Compare the projected value at closing with the purchase price, then divide that gain by the deposits you paid before closing. Because deposits are often only 10–20% of the price, a modest rise in value can be a large percentage return on deposits, and a fall can wipe out more than your deposit. Add closing costs, carrying costs and rent to see the full picture.
What appreciation rate should I use for Erin?
There’s no reliable forecast. Neighbouring markets such as Halton Hills, Brampton and Orangeville rose about 50–60% over the last ten years (roughly 4–5% a year) but are 7–14% below their 2021–22 peaks, and Erin’s resale prices have fallen since 2023. Try several scenarios, including zero and negative growth.
How is the mortgage payment calculated?
We use Canadian semi-annual compounding on the amount you finance at closing (price minus your total down payment), at the rate and amortization you choose. Your lender’s actual payment may differ slightly.
