How It Works

  • Mortgage Information: Enter your mortgage rate and amortization in years. We apply a Canadian stress test automatically.
  • Property Expenses: Add annual tax, monthly heating, and condo fees for GDS/TDS calculations.
  • Liabilities: Include monthly car/student loans, credit card debts, etc. Negative or small results indicate you may need more down payment or lower debts.

Pre-Tax Income (Annual)

Mortgage Information

Property Tax, Heat, Condo Fee

Liabilities (Monthly)