Canadian Mortgage Affordability Calculator

Estimate your maximum home purchase price based on Canadian Gross Debt Service (GDS) and Total Debt Service (TDS) ratios, and the 2026 OSFI stress test.

Income & Funds

Annual Household Income ($)

Available Down Payment ($)

Minimum down payment rules apply (5% on first $500k, 10% on portion up to $1M).

Expenses & Debt

Monthly Debt Payments ($)

e.g., car loans, student lines of credit, minimum credit card payments.

Estimated Annual Property Tax ($)

Estimated Monthly Heating ($)

Estimated Monthly Condo Fees ($)

Only 50% of condo fees are used in debt ratio calculations.

Mortgage Details

Expected Mortgage Rate (%)

You will be stress-tested at the higher of your rate + 2% or 5.25%.

Affordability Breakdown

Maximum Purchase Price

$0.00

Maximum Mortgage

$0.00

CMHC Insurance Premium

$0.00

Stress Test Qualifying Details

Qualifying Rate: 0.00%

Qualifying Monthly Payment: $0.00

Note: Your affordability is constrained by . The maximum acceptable GDS ratio is 39% and TDS is 44%.

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Canadian Mortgage Affordability Calculator

Income & Funds

Expenses & Debt

Mortgage Details

Affordability Breakdown

Maximum Purchase Price

Maximum Mortgage

CMHC Insurance Premium

Stress Test Qualifying Details

Suggested Properties

High Traffic Retail Plaza

Modern Industrial Warehouse

Luxury Suburban Home

Skyline View Condo

Canadian Mortgage Affordability Calculator

Income & Funds

Expenses & Debt

Mortgage Details

Affordability Breakdown

Maximum Purchase Price

Maximum Mortgage

CMHC Insurance Premium

Stress Test Qualifying Details

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Minimum Down Payment

First-Time Home Buyer (HBP & FTHBI)

Change in Use (Deemed Disposition)

Secondary Suite Buying Power

Suggested Properties

High Traffic Retail Plaza

Modern Industrial Warehouse

Luxury Suburban Home

Skyline View Condo