Disclaimer

Educational estimate only, not financial, mortgage, tax or legal advice. Lenders, insurers and governments set their own rules and can change them; confirm with a licensed professional before you decide.

• The calculator models a lender's maximum under the federal stress test, CMHC's debt-service limits and down-payment rules. Actual approval also depends on your credit history, income type and stability, the property, and each lender's and insurer's own guidelines.
• Default insurance is underwritten by CMHC, Sagen and Canada Guaranty; their premiums and criteria can differ slightly. We show CMHC's published premiums.
• Land transfer taxes, rebates and property tax rates are taken from provincial and municipal sources on the date shown. Your lawyer or notary calculates the final amounts.
• We are not affiliated with any lender, insurer or government named on this site.