Mortgage Qualifier Calculator
See how much mortgage you can qualify for. Enter your income, debts, and housing costs to calculate your maximum mortgage, home price, and GDS/TDS ratios.
How mortgage qualification works
Lenders use two ratios to determine how much you can borrow. The Gross Debt Service (GDS) ratio measures your housing costs (mortgage, property tax, heat) against your income. The Total Debt Service (TDS) ratio adds your other debts. Canadian lenders typically cap GDS at 32% and TDS at 40% of your gross monthly income.
Mortgage Qualifier Calculator — How Much Can You Borrow?
Determine how much mortgage you can qualify for based on your income, debts, down payment, and current interest rates. GDS/TDS ratio analysis for Canadian mortgages.
Max Mortgage$370,630
Max Home Price$430,630
Monthly Payment$2,167
GDS Ratio32.0%
TDS Ratio38.0%