04 · Mortgage calculators
Know your range before you start your search.
Explore a potential purchase and mortgage range using household income, monthly liabilities, property costs and a Canadian stress-test planning rate. These tools are educational estimates—not a qualification decision, rate quote or commitment to lend.
Affordability planner
A clearer view of what the numbers may support.
Your planning inputs
Enter gross income before tax and the monthly payments you are responsible for.
Choose a calculation style
Housing costs include principal and interest at the qualification rate, property taxes, heating and 50% of condo fees. The insurance estimate is illustrative and applies only when the planning loan-to-value is above 80%. Custom GDS/TDS targets are for scenario exploration only; they do not alter lender or insurer underwriting criteria.
Actual qualification depends on income verification, credit, property, lender and insurer policy, mortgage-insurance eligibility, closing costs and other factors. Review the Government of Canada guidance and CMHC requirements before relying on this estimate.
Payment planner
Explore a monthly payment.
Estimated down payment
$130,000
Estimated monthly payment
$2,977