How much will a lender actually approve? Enter your income, debts and housing costs to find your maximum mortgage under Canada's stress-test rules.
Assumptions effective 2026-01-01. Regulatory figures (stress-test rules, down-payment brackets, CMHC tiers, rebates) are managed in Admin → Calculators.
Answers to common questions about the maximum mortgage calculator
Lenders qualify you at the stress-test rate (contract + 2% or 5.25%, whichever is higher) and cap GDS/TDS ratios. Both constraints usually bind before your comfort level does.
Raise household income, pay down monthly debts, increase your down payment, or choose a lower rate or longer amortization.
Calculations use current Canadian mortgage rules, including the mortgage stress test and CMHC insurance tiers. For informational purposes only — not financial advice. Confirm details with your mortgage professional before making decisions.