Affordability Calculator

Estimate the price range you'd likely qualify for, based on the same GDS/TDS guidelines Canadian lenders use.

Estimated affordable price

$0

Max housing payment$0

What GDS and TDS mean

Canadian lenders typically qualify borrowers using two ratios: GDS (Gross Debt Service), which caps housing costs — mortgage payment, property tax, heat, and half of strata fees — at roughly 39% of gross income, and TDS (Total Debt Service), which caps housing costs plus all other debt payments at roughly 44%. Actual approval amounts vary by lender, credit profile, and the mortgage stress test rate in effect at the time. This tool gives a planning estimate, not a pre-approval — a mortgage broker can confirm your exact number.