DERRICK GARCIA

Tools

Affordability Calculator

Your true ceiling under the rules lenders actually enforce — the stress-test qualifying rate plus GDS/TDS debt-service limits.

Estimate only — not financial advice or a pre-approval. Uses Canadian GDS/TDS limits qualified at the stress-test rate (greater of your rate + 2% or 5.25%). Heating estimated at $150/mo; 50% of condo fees counted.

First home? Start with the first-time buyer guide.