Kawartha Lakes · Kawartha Lakes
Mortgages in Kawartha Lakes, compared across lenders
We compare banks, credit unions and monoline lenders for your Kawartha Lakes purchase, renewal or refinance, and explain the trade-offs in plain English.
We help households in Kawartha Lakes, including Lindsay, Bobcaygeon and Fenelon Falls, buy, renew and refinance by comparing banks, credit unions, trust companies and monoline lenders. In September 2026 the median Kawartha Lakes sale was $620,000, across 101 sales (Central Lakes Association of REALTORS, checked October 2026). Every mortgage is subject to lender approval; we arrange mortgages for properties in Ontario only.
Kawartha Lakes in numbers
These are the latest published figures we could check for Kawartha Lakes, each with its source and date. They describe the market, not your mortgage.
Home sales, September 2026
- Median sale price
- $620,000
- Average sale price
- $700,267
- Sales
- 101
Detached homes: 92 sales, median $635,000. Lindsay: 32 sales, median $512,000.
Residential property tax rate, 2026
- Total rate, Lindsay urban area
- 1.573877%
Made up of City (the total less education, our subtraction) 1.420877% + education 0.153000%. The rate applies to the assessed value set by MPAC (the Municipal Property Assessment Corporation), not to the price you pay.
Renting, October 2025
- Average two-bedroom rent
- $1,561 a month
- Vacancy rate
- 3.4%
A year earlier the rent was $1,468 and vacancy 3.4%. The survey covers purpose-built rental apartments in private buildings of three or more units.
Households, 2021 Census
- Households that own
- 82.8%
- Median household income (2020)
- $82,000
City of Kawartha Lakes (census subdivision 3516010): 32,705 households, population 79,247. Income is for 2020, the year before the census.
What's different about borrowing in Kawartha Lakes
- Kawartha Lakes is outside the City of Toronto, so a purchase pays Ontario's land transfer tax only. Our land transfer tax calculator shows the amount.
- The 2026 residential property tax rate in Kawartha Lakes is 1.573877% of the home's assessed value in the Lindsay urban area, counting the City and education parts (City of Kawartha Lakes, 2026 tax rates, checked October 2026). MPAC sets the assessed value, and it is not the price you pay, so ask for the seller's current tax bill. Lenders count property tax in the housing costs they qualify you on (CMHC debt-service rules, checked October 2026).
- A two-bedroom apartment in the Kawartha Lakes census agglomeration (CA), which includes Kawartha Lakes, rented for $1,561 a month on average in October 2025, up from $1,468 a year earlier (CMHC, checked October 2026). Vacancy was 3.4%. If you rent now, set that rent against a mortgage payment plus property tax, heat and upkeep.
- In the 2021 Census, 82.8% of households in the City of Kawartha Lakes owned their home, and the median household income in 2020 was $82,000 (Statistics Canada, checked October 2026).
Outside Toronto you pay Ontario's land transfer tax only — work it out with the land transfer tax calculator. Also useful: Ontario closing costs · down payment rules.
Who we help in Kawartha Lakes
We help Kawartha Lakes households buy a first home, move up, renew or refinance. We compare banks, credit unions and monoline lenders (lenders that only do mortgages and work through brokers) first.
On a rural property with a well and septic system, lenders may ask for a water test and a septic inspection. Alternative lenders are the next step when a bank's rules don't fit, at a higher cost. Private money is a short bridge only, and we explain its cost first.
Questions from Kawartha Lakes borrowers
Do I pay Toronto's land transfer tax in Kawartha Lakes?
No. Kawartha Lakes is outside the City of Toronto, so only Ontario's land transfer tax applies.
Illustrative, not a quote: on the September 2026 median Kawartha Lakes sale of $620,000, Ontario's tax is $8,875, or $4,875 if you qualify for the full $4,000 first-time buyer refund (Central Lakes Association of REALTORS median and ontario.ca brackets, checked October 2026).
This is our arithmetic. 0.5% of the first $55,000 is $275, and 1% of the next $195,000 is $1,950. Then 1.5% of the next $150,000 is $2,250, and 2% of the last $220,000 is $4,400.
Your lawyer works out the exact amount at closing.
Can I get a bank mortgage on a rural property in Kawartha Lakes?
Usually, yes, for a home on a residential-sized lot. Lenders may ask for a water test and a septic inspection, and some limit how much land they will lend on. We check that before you make an offer.
Can I work with you if I live in Kawartha Lakes?
Yes. We work with borrowers across Ontario by phone and online; our office is in Richmond Hill.
Nearby: Peterborough · Clarington · Oshawa
General information for Ontario borrowers, not advice. Stonefield Mortgage is a trade name of Stonefield Capital Inc., FSRA mortgage brokerage licence #13722.
Sources
- Central Lakes Association of REALTORS, Kawartha Lakes housing report, September 2026, checked October 2026.
- City of Kawartha Lakes, 2026 tax rates, 2026 tax year, checked October 2026.
- CMHC Rental Market Survey, Ontario tables 1.1.1 and 1.1.2, published 11 December 2025, October 2025, checked October 2026.
- Statistics Canada, 2021 Census of Population, Census Profile, City of Kawartha Lakes (census subdivision 3516010), 2021 Census, checked October 2026.
- Ontario, Calculating land transfer tax, page updated 22 April 2026, checked October 2026.
- Ontario, Land transfer tax refunds for first-time homebuyers, page updated 10 February 2026, checked October 2026.
- CMHC, Calculating GDS and TDS, debt-service rules for insured mortgages, checked October 2026.
- Land transfer tax example: our arithmetic, Ontario's brackets applied to the Central Lakes Association of REALTORS September 2026 median, less the $4,000 first-time buyer refund, checked October 2026.
No cost to talk
Talk to a broker about your Kawartha Lakes mortgage
Tell us what you're planning for a home in Ontario and a good number to reach you. We call back within one business day, usually sooner. We ask for documents only once we know which ones your mortgage needs.
You can also call us at (416) 371-2077.