Canadian GDS/TDS · Free · Instant

How much house can you afford?

We use the same 39% GDS and 44% TDS ratios Canadian lenders use — so the number you see here is the number they'll see.

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Your finances

Pre-tax household income, monthly debt payments, and how much you've saved for a down payment.

Gross household income annual, pre-tax

Other monthly debt cars, cards, loans

Down payment available

Mortgage rate

Amortization

Monthly maintenance condo fees if applicable, else utilities/upkeep

Mid

Maximum Purchase Price

$—

Capped by your 39% GDS / 44% TDS ratios under Canadian lending guidelines.

Max Monthly Mortgage

—

Cash Needed to Close

—

Cap Reason

—

Where your max comes from

Lenders cap mortgage qualification by these two ratios. The lower of the two wins.

GDS — housing costs ÷ income—

TDS — housing + all debt ÷ income—

GDS limit: 39% · TDS limit: 44% (Canada Mortgage Stress Test). Property tax estimated at 0.66% of price annually (Toronto effective rate). Monthly-maintenance estimate based on the slider above. Closing costs include Ontario + Toronto land transfer tax (with first-time-buyer rebate where eligible), lawyer fees (~$2,000), and title insurance.

Get pre-approved with one of our trusted mortgage brokers

Knowing your real max price is one thing — having the lender confirmation in hand is what wins offers. We'll connect you with a vetted Toronto mortgage broker.

First name

Phone optional

Timeline

Please enter a name and a valid email.

✓ Sent. A broker will reach out within one business day.

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