Educational Use Only

Welcome to the Canada Mortgage Affordability Calculator. Please review our guidelines:

This tool is for educational purposes only and provides high-level estimates based on recent market data.

It is NOT financial advice, legal advice, or a mortgage pre-approval.

We do not guarantee any interest rates or approval from any financial institution.

Actual qualification depends on lender policies, full credit documentation, and current federal regulations.

Canada Mortgage Affordability Calculator

AI Assessment

Mortgage Affordability Calculator

Estimate your home buying power in Ontario, BC, Alberta, and across Canada. Accurate assessment using current stress test rules.

GDS/TDS Assessment: Checks 39%/44% ratios.
Stress Test: Uses qualifying rate + 2%.
All Provinces: Valid for ON, BC, AB, QC, etc.

Educational estimate only. Not a formal approval.