How Much Can I Afford?

Enter your income and debts. See the maximum home price you qualify for — with real stress test math.

Canadian lenders use two ratios to decide how much you can borrow: GDS (housing costs vs income) and TDS (all debts vs income). Both are stress-tested at the higher of your contract rate plus 2% or 5.25%. This calculator runs those exact calculations.

Every lender is different. Some flex on ratios, some use different income calculations. A broker finds the lender that fits YOUR situation.