Canadian Mortgage Affordability Calculator
Calculate how much home you can afford based on Canadian lending rules
Your Financial Information
Enter your details to calculate your maximum affordable home price
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Credit cards, car loans, student loans, etc.
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50% of condo fees are used in GDS calculation
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Maximum 25 years if down payment is less than 20%
Important Disclaimer: This calculator provides an estimate based on standard Canadian lending rules, including the mortgage stress test (higher of contract rate + 2% or 5.25%), GDS ratio (max 39%), and TDS ratio (max 44%). Actual mortgage qualification depends on lender assessment, credit score, employment history, and other factors. CMHC insurance rates and lending criteria may change. Please consult with a mortgage professional for personalized advice.