What Can You Actually Afford?
Uses the real Canadian stress test (GDS/TDS + qualifying rate) to find your true maximum price — then shows you live Calgary listings you can actually buy.
Bank of Canada, updated daily. These are official reference rates, not a quote. Full rate watch.
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Your finances
Estimate using GDS 39% / TDS 44% and the stress test (qualifying rate = your rate + 2%, min 5.25%). Property tax & heat are estimated. Your real pre-approval depends on credit, employment and the lender — Mohammad will connect you with a broker to lock it in.
Get pre-approved + a shortlist in your range
Mohammad will connect you with a trusted mortgage broker for a real pre-approval and hand-pick listings that fit your number.
Questions
What is the mortgage stress test in Canada?
Lenders must qualify you at the higher of your contract rate + 2% or 5.25%. So even if your rate is 4.79%, you must prove you could afford payments at ~6.79%. This calculator applies that automatically.
What are GDS and TDS ratios?
GDS (Gross Debt Service, max ~39%) caps housing costs as a share of income. TDS (Total Debt Service, max ~44%) caps housing plus all other debt. Your maximum is whichever is lower.