Canadian Home Affordability

Calculate your maximum mortgage amount in Canada.

Real Purchasing Power

Determine exactly how much house you can afford in Canada's current market. Our centralized engine factors in the mortgage stress test (B-20), GDS/TDS ratios, and your down payment to give you a precise budget.

Income & Debts

We analyze your gross income against monthly obligations like car loans and credit cards.

Stress Test

We automatically apply the 5.25% (or higher) qualifying rate to ensure your budget is realistic.

Calculate Max Affordability

Understanding the Limits

Lenders use two main ratios to determine how much they will lend you. Gross Debt Service (GDS) covers housing costs, while Total Debt Service (TDS) includes all other debts.

Most lenders cap GDS at 39% and TDS at 44%, assuming a credit score of 680 or higher.

Improve Your Affordability

Explore ways to increase your purchasing power

Check Rates

Lower mortgage rates can significantly increase how much you can borrow.

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Stress Test

See if you pass the specific B-20 qualification rules.

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Insurance Cost

Buying with less than 20% down? Calculate your insurance premium.

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