Calculate your maximum mortgage amount in Canada.
Determine exactly how much house you can afford in Canada's current market. Our centralized engine factors in the mortgage stress test (B-20), GDS/TDS ratios, and your down payment to give you a precise budget.
We analyze your gross income against monthly obligations like car loans and credit cards.
We automatically apply the 5.25% (or higher) qualifying rate to ensure your budget is realistic.
Lenders use two main ratios to determine how much they will lend you. Gross Debt Service (GDS) covers housing costs, while Total Debt Service (TDS) includes all other debts.
Most lenders cap GDS at 39% and TDS at 44%, assuming a credit score of 680 or higher.
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