Pre-Construction
Deposit Planner
Map every deposit cheque, your mortgage at closing, and what happens to the payment if rates move — before you sign.
| Stage | Amount | Running Total |
|---|
Why pre-construction cash planning matters more
Unlike resale, a pre-construction purchase spreads your deposit over months or years and then closes at whatever mortgage rates are in effect years after you signed — a rate you cannot know today. That’s why this planner shows your payment at your expected rate and at 2% higher: if the higher number breaks your budget, you’re taking real rate risk. Uncapped development charges and closing adjustments can add five figures on top, so have your lawyer confirm caps before you sign.
Buying in Etobicoke or along The Queensway? See the current pre-construction guide, and if you already own a pre-con unit and are weighing whether to close, hold or sell, get a live read with the condo value estimator.
Working out whether a pre-construction deposit is affordable?
Send me the project and I will walk you through the full deposit schedule, what happens if your circumstances change, and how much of your money is actually protected.
Call or text 833-330-1925 Send me the project
Jatin Dua, Broker of Record — RE/MAX Quantum Realty Inc., Brokerage. Not intended to solicit buyers or sellers currently under contract with another brokerage.
I check every GTA low-rise launch against the builder’s own material and the municipality’s planning file. Half fail outright — one was a court-appointed receiver’s name for a project whose 329 existing buyers were having their agreements repriced or terminated — and most of the rest publish nothing a buyer could actually verify.
Run the free five-minute check on the project you are considering, or read the full 2026 audit.