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Plan ahead

How much might you qualify for?

Enter your income and debts to see a rough estimate — using the same GDS/TDS ratios and stress test Canadian lenders actually use.

Mortgage Payment Affordability Land Transfer Tax Closing Cost Smith Manoeuvre
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Combine incomes if you’re applying with a partner.
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Car loans, credit card minimums, student loans, support payments, etc.
$
%
We qualify you at a higher “stress test” rate, but your real payment estimate uses this one.
years
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Rough guess is fine — about 1–1.5% of home price is typical.
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Estimated max home price
$0
Estimated qualifying mortgage$0
Down payment$0
Est. real monthly payment$0
GDS ratio (housing costs)0%
TDS ratio (all debts)0%
Qualifying (stress test) rate0%

 

Estimate only, based on standard GDS/TDS qualification ratios and the federal mortgage stress test — not a pre-approval. Actual qualifying amount depends on the lender, your full credit picture, property type, and other factors. For planning and discussion only. Not legal, tax, or accounting advice.

Want the real number?

A free pre-approval locks your rate and gives you the exact figure, not an estimate.

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