Annual income

Applicant 1 — Gross Annual Income ($)

Applicant 2 — Gross Annual Income ($)

Monthly debt obligations

Car Payment(s) ($/mo)

Credit Card Min. Payments ($/mo)

Student / Personal Loans ($/mo)

Other Monthly Debts ($/mo)

Down payment & mortgage details

Available Down Payment ($)

Annual Property Tax Estimate ($)

Contract Interest Rate (offered rate) 5.50%

Amortization 25 years

Your maximum mortgage

GDS (Gross Debt Service) includes your mortgage payment, property tax, and heat — must not exceed 39% of gross income. TDS (Total Debt Service) adds all other debt payments — must not exceed 44%. These are the lender qualification ratios used across Canada. Results are estimates; actual approval depends on credit score, employment history, and lender guidelines. Contact Patrick Sawler for a full pre-qualification.

Maximum Mortgage Calculator