Free calculator
Mortgage Calculator
Calculate your maximum mortgage qualification in Canada using OSFI stress test rules.
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Your Information
Enter your financial details to get started
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Annual Income
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Mortgage Details
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Starts at today's 5-year fixed rate (4.89%, updated Oct 25). Change it to try your own.
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Property Costs
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Eligibility
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Your Results
Maximum qualification
$413,670
Maximum Purchase Price
Qualified at the stress test rate (greater of your rate + 2% or 5.25%)
$383,845
Total Loan
$2,662
Payment at Qualifying Rate
6.9%
Qualifying Rate
$11,541
Insurance Premium
Debt Service Ratios
GDS (Gross Debt Service)39.0%
Limit: 39.0% (CMHC limit for insured mortgages) • Status: good
TDS (Total Debt Service)39.0%
Limit: 44.0% (CMHC limit for insured mortgages) • Status: excellent
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Important: This is an estimate. Final approval depends on credit score, employment history, and lender criteria.