Free Tool

What Can I Afford?

Enter your income and down payment and get your estimated maximum purchase price, mortgage amount, and monthly payment based on Canada's 39% GDS qualifying standard.

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Your numbers
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Your budget
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Full breakdown
Tell us about your finances
Just the basics. Takes 30 seconds and no credit check is involved.
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Include car loans, student loans, credit card minimums. Leave blank if none.

Please enter your income and down payment.

Based on Canada's 39% GDS guideline at current rates. For illustrative purposes only. Actual approval depends on credit, employment, and lender assessment.

Calculating your affordability...
Applying 39% GDS qualification standard
Checking minimum down payment rules
Estimating monthly payment at current rates
Preparing your budget breakdown
Your Estimated Maximum Purchase Price
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✓ Likely qualifies
Max mortgage amount$620,000
Estimated monthly payment$3,240 / month
GDS ratio34.2%
Minimum down required$40,000
CMHC insurance applies?Yes, less than 20% down
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Your full breakdown is ready
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Your Estimated Maximum Purchase Price
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✓ Likely qualifies

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