Free tool · Mortgage qualification
How much mortgage will you actually qualify for?
A clean estimate using Canada’s stress-test rules — GDS, TDS, qualifying rate, the works. Enter your numbers, get the verdict, see the full amortization and a year-over-year split of principal vs. interest.
Where to start
Fill in your gross household income, down payment, expected interest rate, and any monthly debts. We’ll show your maximum mortgage and qualifying ratios in seconds.
Income & debts
Before tax. Combine if buying with a partner.
Cars, credit cards, student loans, child support. Excludes the mortgage.
Purchase
Cash on hand, including RRSP HBP or FHSA withdrawals.
Your lender’s offer (%).
Max 25 (insured) or 30.
Housing costs
Only enter if condo/townhouse. Lenders count 50% in GDS.
Stress test: we qualify you at contract rate + 2% or 5.25% (the federal benchmark) — whichever is higher. GDS limit: 39%. TDS limit: 44%.
Max mortgage
$0
Based on your ratios
Max purchase price
$0
Max mortgage + down payment
Monthly payment (at contract)
$0
Principal + interest
Your qualifying ratios
limit
39%
39%
limit
44%
44%
★
Calculating…
Where your payments go — year by year
In the early years, most of your payment is interest. The split flips as the loan amortizes.
Interest
Principal
Yearly amortization schedule
| Year | Principal paid | Interest paid | Balance |
|---|
Buying a home or refinancing?
We’ll help you stress-test the actual numbers.
Mortgage qualification is one piece. Total cash flow, tax planning around your down payment, and protecting your business from personal-debt drag are the rest. Let’s talk.
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