Interactive tool · Canada / BC
How much home could you qualify to buy?
A purchase-power estimate based on income, existing debts, down payment, housing costs and Canada's mortgage qualifying-rate framework.
How the estimate works
Closer to lender math than a simple payment calculator.
The calculator estimates the mortgage payment room available under 39% GDS and 44% TDS, then applies the qualifying rate — the greater of the contract rate plus 2 percentage points or 5.25%.
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 the applicable CMHC-style mortgage insurance premium and adds it to the mortgage for qualification.
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.
Important
This is a planning estimate, not a pre-approval.
Actual lender qualification can differ based on income type, credit, property, lender policy, mortgage-insurer rules, debt treatment, rental income, amortization eligibility and other factors. The tool does not assess creditworthiness or confirm mortgage-insurance eligibility. Figures are illustrative and should be verified with a qualified mortgage professional before making a purchase decision.