Interactive tool · Canada / BC

Explore an illustrative home-buying range.

A planning estimate based on the numbers you enter and selected Canadian mortgage-qualification assumptions. It is not a lender decision, pre-approval or commitment.

Your numbers

Qualification inputs

Gross household income

Annual income before tax. Down payment available

Cash available for the down payment only. Monthly debt payments

Car loans, credit cards, LOCs, support payments, etc. Illustrative contract rate

This is your planning input—not a rate being offered, held or guaranteed. The calculator stress-tests at the greater of this rate + 2% or 5.25%. Annual property taxes

Use an estimate if you do not have a specific property. Monthly heating cost

A reasonable estimate is sufficient for planning. Monthly condo / strata fee

50% is included in the debt-service estimate. Amortization 30-year insured mortgages have eligibility rules.

I may qualify for a 30-year insured mortgageGenerally, at least one borrower is a first-time homebuyer or the property is a new build.

Advanced assumptions

Maximum GDS

Maximum TDS

How the estimate works

Closer to lender math than a simple payment calculator.

The calculator estimates payment room using editable assumptions of 39% GDS and 44% TDS, then applies the qualifying rate — the greater of the contract-rate input plus 2 percentage points or 5.25%. Those ratios are not entitlements or universal lender limits.

Property taxes, heating and 50% of condo fees are included in housing costs. Existing monthly debt payments are included in TDS. When the down payment is below 20%, the tool estimates a mortgage-default-insurance premium using a published CMHC-style schedule. An insurer or lender may calculate it differently.

Canadian minimum down-payment rules are also applied: 5% up to $500,000; 10% on the portion from $500,000 to $1.5 million; and 20% at $1.5 million or more.

Maple Ridge context

Compare your estimate with August 2026 benchmark prices.

Detached$1,177,800

Townhouse / attached$704,100

Apartment / condo$504,300

Important

This is a planning estimate, not a pre-approval.

This tool provides general education only. It does not assess creditworthiness, verify documents, determine product suitability, confirm mortgage-insurance or 30-year-amortization eligibility, offer a mortgage or rate, or create a pre-approval, approval, commitment or broker-client relationship. Results can differ materially based on income verification, credit, property, lender and insurer policy, debt treatment, rental income, interest-rate changes and other facts. Do not waive conditions, make an offer or incur costs based on this estimate. Obtain a written assessment from an appropriately qualified professional. Full disclosures.

OSFI — Minimum qualifying rate CMHC — GDS / TDS Canada.ca — Minimum down payment CMHC — Insurance premiums