Free · about 3 minutes · no credit check
How much home could you actually afford?
Real Canadian mortgage math — the stress test, the down-payment rules, the closing costs nobody mentions.
About 14 questions · no credit check · nothing sent to any lender
Made for where you are
If you're getting ready to buy
- Saving and not sure what's enough? See how your down payment and income translate into a realistic price range.
- Heard of the stress test? Find out what it does to your number before a lender tells you.
If you've been told 'not yet'
- Told no, or told a number that felt low? Learn which single factor is setting your ceiling — debt, income or cash.
- Want a plan, not a guess? Get the next steps that actually move the number.
How it works
A few questions, real math, a clear next step.
- 1
Answer a few questions
Income, debts, savings — rough numbers are fine. One question per screen.
- 2
Get your scorecard
An instant estimate built on the rules lenders start from, with the reasons behind it.
- 3
Talk it through with Joe Mendel, if you want to
The estimate is yours either way. When you want a plan, they'll build one — no obligation.
What you'll learn
Every number on your results page is computed, not guessed.
Your estimated price range
Three scenarios — comfortable, estimated and stretched — with the monthly payment for each.
What's setting your ceiling
Whether it's your debt load, housing costs or down payment holding the number back.
The closing costs nobody mentions
Land transfer tax, default insurance and the cash you'll need on the day.
Programs you may be missing
First-time-buyer supports that can change what you have to work with.
Questions people ask
How accurate is the estimate?
It uses real Canadian mortgage math — the stress test, GDS/TDS ratios, default-insurance premiums and provincial land transfer tax — on the numbers you enter. It's as accurate as your inputs; a broker can review them, confirm the assumptions and explain your financing options.
Is this a pre-approval?
No. It's an estimate built from what you tell us, using the federal stress-test and debt-ratio rules lenders start from. A pre-approval needs a lender to verify your income, credit and the property.
Does this affect my credit score?
No. Nothing here touches your credit file, and nothing is sent to any lender.
What happens with my details?
Whatever you give us is used to prepare and send your results, and to reply if you ask a broker to get in touch. Nothing else. Your information is never sold, and you can unsubscribe from any email in one click.
Find out what you could actually afford
Three minutes, no credit check, nothing sent to any lender.