Mortgage Affordability Calculator
How much mortgage can I get?
See the mortgage you actually qualify for in Canada. Add your income and monthly debts, and we'll show your real maximum — run through today's stress test, so the number still holds up at the bank.
Income → Mortgage · Stress Test @ 6.14%
Income Cascade Funnel
Annual Income
Stress Test @ 6.14% · GDS 32%
Max Home Price
With HOMEH Rebate
Qualify for $12K more
Rebate boosts effective down payment
How much home
can I afford?
Three numbers in. Your real maximum out — borrowing power, the home price that fits, and the monthly payment.
Start With These Numbers
That's 17% of your max home price
Assumes 25-year amortization, 32% GDS / 40% TDS limits, $200/mo heating and ~0.9% property tax. Stress-tested at 6.14% — the higher of 5.25% or contract rate + 2%.
What You Can Afford
Max home price
$480,039
Monthly payment
$2,135
at 4.14% actual rate
Free · No credit check · Real number in 24 hours
For illustration only — not financial advice. Your actual qualification depends on your full application, credit, and lender. Homes under $1M with less than 20% down also require mortgage default insurance.
Know your number.
Move faster.
HOMEH's Pre-Qualification is free, takes 24 hours, and gives you a real number — not an estimate.
No credit check. No obligation. Results in 24 hours.
More Calculators for Buyers
Every number a Canadian homebuyer needs, in one place, always free.
Home estimate
What it's worth before you offer.
OpenHome market value
Value plus the market around it.
OpenAffordability
How much home you can afford.
OpenDown-payment boost
Your HOMEH Cashback Rebate, applied early.
OpenCashback Rebate
The industry's highest Cashback Rebate: 1.5% of the price, at closing.
OpenClosing costs
Every Ontario cost before you sign.
OpenMake your dreams come home!
Book a free consultation to see how we make homeownership affordable and easy for you.
How much, really?