Lenders don't lend on your dream — they lend on two ratios and a stress test. Enter your income, monthly debts, and down payment to see the maximum mortgage and home price you'd realistically qualify for in Canada.
How this works. Lenders qualify you on two ratios — GDS (housing costs ≤ 39% of gross income) and TDS (all debt ≤ 44%) — and stress-test your mortgage at the higher of your rate + 2% or 5.25%. Heating is estimated at $150/month; property tax is as you entered. This estimate excludes CMHC insurance premiums and assumes you meet Canada's minimum down payment rules. Actual approval depends on your credit, employment, and the specific lender. This is an independent tool, not a mortgage approval or financial advice.