Affordability guide
How Much House Can I Afford in Canada?
Understand how income, debts, down payment, mortgage rates and property costs combine to shape a Canadian home-affordability estimate.
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Canada real estate guides
Understand the numbers before you buy
Original, plain-language guides for affordability, mortgage qualification, down payments and closing-cost planning.
Estimate home affordability →Mortgage ratios
GDS and TDS Ratios in Canada, Explained
Learn what gross debt service and total debt service mean, what costs they include, and how monthly debt can reduce estimated buying power.
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Qualifying rate
Canada Mortgage Stress Test: A Simple Guide
See how the mortgage qualifying rate can differ from the contract rate and why it can reduce a home-affordability estimate.
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Down payment guide
Minimum Down Payment and Mortgage Insurance in Canada
Calculate the standard minimum down payment by purchase-price tier and understand when mortgage loan insurance may apply.
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Buyer cost guide
Canada Home-Buying Closing Costs Checklist
Plan beyond the down payment with a practical checklist for legal fees, inspections, taxes, title insurance, adjustments and first-time-buyer programs.
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Planning information only: lending criteria, programs, rates and local costs can change. Confirm your situation with current official sources and qualified professionals before making a purchase commitment.