Free Tool — Real Estate · 2025 Canada

Mortgage Affordability Calculator

How much house can you afford? Includes the OSFI B-20 stress test, CMHC insurance, GDS/TDS ratios, and land transfer tax by province.

Your Details

Annual household income Gross, before tax

Monthly debt payments Car, credit cards, student loan

Down payment

Mortgage Details

Mortgage rate Your quoted 5-yr fixed rate

Amortization

Property type

Location & Costs

Province

First-time buyer?

Monthly condo/strata fees 0 if house

Monthly heating estimate

Educational estimate only. Actual approval depends on full lender underwriting, credit score, and property appraisal.

Enter your detailsFill in the form and click Calculate Affordability to see your maximum purchase price, stress test result, CMHC insurance, and full cost breakdown.