Real Estate
Mortgage Stress Test Canada 2026: How It Cuts Your Buying Power
Canada's stress test qualifies you at contract rate +2% (min 5.25%). See how it reduces your buying limit, affects GDS/TDS ratios, and changes your target price.
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Real Estate
Plan Canadian mortgage affordability, housing costs and rent-versus-buy scenarios. Lender qualification, rates, insurance and closing costs depend on current rules and your circumstances.
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Real Estate
Mortgage Affordability Canada 2026: Income, Debt Ratios and Stress Test
How Canadian lenders calculate your limit: GDS/TDS ratios, the 5.25% stress test, and down payment rules. See what income and debts mean for your mortgage ceiling.
Real Estate
RRSP Home Buyers’ Plan Canada 2026 — $60,000 HBP Limit
Updated 2026 Home Buyers’ Plan guide using the current $60,000 per-person HBP withdrawal limit, plus FHSA coordination, eligibility, timing and repayment considerations.
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Mortgage Calculator Canada
Calculate Canadian mortgage payments, total interest, and amortization schedule.
Rent vs Buy Calculator Canada 2026
Compare monthly rent with mortgage and owner carrying costs. Designed for monthly affordability, not a full equity model.
Mortgage Affordability Calculator Canada 2026
Estimate home affordability using 39% GDS, 44% TDS, property costs, and the federal stress-test qualifying rate.
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