Calculators
Run the math. No email required.
Four calculators with the real Canadian rules baked in — stress test, CMHC down-payment minimums, semi-annual compounding. Adjust freely.
Affordability calculator
What home price can I qualify for?
Max home price
$534,492
Max loan
$459,492
Monthly payment
$2,541
Stress-tested at 6.49% (contract + 2%). GDS at max: 33.2%, ceiling 39%. Binding constraint: GDS.
Payment calculator
What will my mortgage cost each month?
Monthly payment
$3,041
Bi-weekly
$1,404
Accelerated bi-weekly
$1,521
Accelerated bi-weekly pays one extra month per year, shaving ~3 years off a 25-year amortization.
Down payment goal
How long until my down payment is funded?
Still needed
$15,000
At your savings rate
9 mo
Funding date
March 2027
Stress test
What rate must I qualify at?
You'd actually pay
4.49%
Qualifying rate
6.49%
Canadian lenders apply OSFI’s B-20 stress test: you must qualify at your contract rate plus 2 percentage points (or 5.25%, whichever is greater on conventional originations). Even though your actual payment is at the contract rate, the lender approves you only if the higher payment fits within 39% GDS / 44% TDS.
