Mortgage affordability calculator
Update income or debts and the maximum mortgage estimate recalculates immediately.
Estimated maximum mortgage
$0loan
Stress rate6.99%
Income$120,000
Monthly debts$800
Free tools
Mortgage affordability calculator for Canadian buyers.
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How it works
Stress test rules and borrowing power
Lenders typically qualify you at the greater of contract rate + 2% or 5.25%. This page estimates the mortgage you can support based on that stress-tested payment.