Mortgage Affordability Calculator
Plan with your expected rate or explore scenarios. We’ll show your max mortgage & price using the federal stress-test rules.
Rates: loading…
Your Result (using your expected rate)
We qualify affordability using the stress-test rate (higher of federal benchmark or your rate + 2%). We also show your payment at your contract rate.
| Contract Rate |
Qualifying Rate |
Max Mortgage (by stress test) |
Est. Affordable Price |
Est. Monthly @ Contract |
| Enter details above… |
Rate Scenarios (what-if)
See how a small change in rates affects what you can afford. “Variable” uses today’s average variable rate.
| Scenario |
Contract Rate |
Qualifying Rate |
Max Mortgage |
Est. Affordable Price |
Est. Monthly @ Contract |
Indicative averages from major Canadian banks. Confirm details with lenders; rates and eligibility can change.
Fixed vs Variable: see pros & cons →
Private Lender Options 🔒
Private lenders can help when banks can’t — flexible approvals and faster decisions.
Enter your email to instantly unlock private-lender options (access lasts 24 hours).
| Lender |
Typical Range |
Max Mortgage (Est.) |
Affordable Price (Est.) |
| Private Lender A | 6.5% – 8.0% | Locked | Locked |
| Private Lender B | 7.0% – 9.5% | Locked | Locked |
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