Estimate the home price and mortgage you could qualify for, based on your income, debts, and down payment.
Blank uses a 1.0%-of-price estimate.
Blank uses a flat estimate.
Half counts toward GDS/TDS.
Your borrowing limit is primarily constrained by your total debt ratio (TDS): your existing debt payments combined with housing costs, relative to your income.
Estimates use common Canadian lender qualification guidelines: a stress-tested qualifying rate (contract rate + 2%, floored at 5.25%) and standard GDS/TDS debt-service ratio maximums. Actual lender criteria vary and are not guaranteed by this calculator.
Disclaimer: This calculator estimates affordability using common lender qualification guidelines (GDS/TDS ratios and the mortgage stress test) and does not constitute mortgage advice, pre-approval, or a lending decision. Actual qualification depends on the lender's own underwriting, credit history, and product terms.