Tool · Quebec 2026
How much house can I afford?
Your borrowing capacity depends on your income, your debts and your down payment — bounded by two ratios (GDS/TDS) and the mortgage stress test. Estimate your maximum purchase price.
Estimated maximum purchase price
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How it's calculated
Two ceilings bound what lenders accept in Canada:
- GDS (Gross Debt Service): housing costs (mortgage + taxes + heating + 50% of condo fees) should not exceed ~39% of gross income.
- TDS (Total Debt Service): housing costs plus your other debts should not exceed ~44% of gross income.
Above all, qualification is done at the stress-test rate: the higher of your rate + 2% and 5.25%. You must show you could pay at that rate, even if your actual rate is lower.
Down payment & CMHC: under 20% down, a CMHC insurance premium is added to the loan (and the maximum insurable price is $1.5M). This estimate assumes price ≈ maximum loan + down payment; it does not replace a pre-approval from a lender or broker.
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Estimate for informational purposes, based on GDS 39% / TDS 44% ratios and a stress test (the higher of your rate + 2% or 5.25%). Real criteria vary by lender, your credit profile and your situation. This is not a financing offer or professional advice.