Find Out How Much You Can Really Borrow — In 60 Seconds

Whether you’re buying your first home or financing an investment property, get a fast, realistic estimate based on real lender rules.

Works for salaried, self-employed, incorporated, and investors.

Who This Is For

First-Time Buyers

See what you can afford before you start house hunting.

Investors & Multifamily Buyers

Stress-test your deal using NOI, DSCR, and real lender constraints.

Complex / Self-Employed / New to Canada

Not a simple T4? We specialize in structuring approvals others can’t.

Your Personalized Qualification Estimate

This tool uses real lender logic to give you a realistic range of what you can qualify for — not a marketing number.

Quick Qualification Calculator

Estimates only. Not a commitment to lend. Final approval depends on documentation, credit, property details, and lender policy.

Residential (GDS/TDS) Investment / Commercial (NOI/DSCR)

Property & Loan

Purchase Price ($)

Down Payment (%)

Down Payment ($)

Contract Rate (%)

Qualifying Rate (%)

Amortization (years)

Tip: Qualifying Rate is typically higher than contract rate (stress-test style). Use your lender’s current qualifying method.

Residential Inputs

Gross Household Income (annual $)

Other Monthly Debts ($)

Property Taxes (monthly $)

Heating (monthly $)

Condo Fees (monthly $) (0 if none)

Max GDS (%)

Max TDS (%)

GDS/TDS limits vary by lender/program. Condo fees are commonly counted at 50% for ratios.

Results

Requested Loan

Payment (Contract Rate)

Qualification Payment (Qualifying Rate)

Email these results:

Residential Qualification

Estimated Max Mortgage (by ratios) $0

Estimated Max Purchase Price (same DP%) $0

Estimated GDS (for requested loan) $0%

Estimated TDS (for requested loan) $0%

Book a Strategy Call Want a precise answer? We’ll confirm with lender rules + docs.

Want a Better Result?

If your result is tight on DSCR, LTV, or income — we can often restructure the deal, improve lender fit, or unlock additional borrowing capacity.