Calculators For buyers
For buyers

What can you afford?

Move the numbers and watch your maximum home price update in real time. This uses Canada's actual 2026 mortgage rules, the same stress test a lender will run, so you get a realistic picture before you ever talk to anyone.

Your numbers

Everything stays on your device. Nothing is saved or sent.

Household income (before tax)

Down payment saved

Other monthly debt paymentscar, loans, card minimums

Mortgage rate offered5-yr fixed, typical today ~4.4%

Will you live here?

A home you'll live in can go as low as 5% down (insured). Investment or non-owner-occupied homes need at least 20% down.

Amortization

30-year amortization is available to first-time buyers and on most new builds.

Property type

You could afford a home up to

with a $0 down payment

GDS · housing costs0%

TDS · all debts0%

Maximum mortgage$0

Down payment$0

Minimum down payment needed$0

Maximum home price$0

Qualifying (stress-test) rate0%

Est. monthly payment (at your rate)$0

CMHC insurance added to mortgage$0

Get the buyer guides Talk it through

Jay Patel

REALTOR® · GTA

Questions about your numbers? I'm a real person, not a form, message me and I'll help you make sense of it.

Message Jay

A quick, honest note. This is an educational estimate, not a mortgage approval or financial advice. It applies the federal stress test (qualifying at the higher of your rate plus 2% or 5.25%) and standard GDS and TDS limits of 39% and 44%, with estimated property tax and heating costs built in. Your real numbers depend on your credit, the specific property, the lender, and current insurance premiums. For an actual pre-approval, speak with a licensed mortgage professional. I'm happy to connect you with one.