Buying
Borrowing capacity
The highest price your income can carry, stress test included.
Leave blank if you are buying alone.
Rates posted by Multi-Prêts Hypothèques — collected on September 9, 2026. Some conditions apply. Subject to change without prior notice. Rates may vary according to the amount borrowed, your credit rating, guarantees offered and other factor. Please refer to your Multi-Prêts broker for more information.
Car, student loan, and your line-of-credit payments. For credit cards, count 5 % of the balance used — that is what the lender applies.
Fill in the fields to see the result.
Pick a rate from today's grid, or enter the one your lender offered you.
These results are provided for illustration only. They apply the Canadian mortgage rules and the Quebec schedule in force, but they are not an offer of financing nor investment advice: the actual rate, amortization and terms depend on your file and on the lender chosen, and are subject to change. For a firm answer, talk to a broker.
Does that number work for you? A broker will confirm it with a real lender. In most files our compensation comes from the lender — if it were ever otherwise, your broker tells you before anything moves.
Schedule 2026 — Société canadienne d’hypothèques et de logement (checked on 2026-08-25) · Ministère des Finances du Canada (checked on 2026-08-25) · Bureau du surintendant des institutions financières (checked on 2026-08-25) · Société canadienne d’hypothèques et de logement (checked on 2026-08-25) · Convention interne du cabinet (titulaire à confirmer au registre de l’AMF) (checked on 2026-08-30) · Revenu Québec (checked on 2026-08-25).
What the number does not tell you
A lender does not look at your income, it looks at two ratios. GDS compares your housing costs — payment, taxes, heating, half of condo fees — to your gross income. TDS adds every other debt. The ceilings used here, 39% and 44%, are the maximum on an insured mortgage; on a conventional file most lenders apply the same ones, with exceptions either way depending on the strength of the file. Whichever binds first sets your maximum price, and it is not always the one you would guess: a $450 monthly debt takes roughly $90,000 off your capacity.
The result is a ceiling, not a target. It assumes your income qualifies as-is — self-employment income, commissions or a recent bonus are averaged over two years, and a damaged credit file changes the ceilings. That is where a broker earns their mandate: the same numbers do not yield the same amount at every lender.
Calculate next
- Mortgage stress testWhat the stress test takes off your capacity, and the rate you are actually qualified at.
- Down payment and insuranceThe legal minimum, the insurance premium attached to it, and what each 5% band changes.
- Cash required to closeEverything you need in the bank on closing day — the down payment is only the start.