Move the sliders. You will see both numbers — the one a lender would approve, and the one your life can genuinely carry.
This is an estimate. The next step is your real number.
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Every client joins the community — retirement planning sessions, live Q&As, and answers to the day-to-day money questions long after your mortgage closes.
A calculator can only guess at your life. On the Affordability Call, our team goes through your actual take-home pay, your true monthly spending, your goals for the next five years — and builds the housing budget you should genuinely shop with.
It is free, it takes about 45 minutes, and you leave with your number whether you ever get a mortgage from us or not.
No. Nothing here touches your credit. This is a planning estimate — no application, no credit pull, no lender involved.
Because the bank is answering a different question. They calculate the most they can responsibly lend against your gross income. We calculate what still works after tax, groceries, daycare, your car, and the money you want to keep investing. Both numbers are correct — they just lead to very different next ten years.
That is your call, and plenty of people make it work. Our job is to make sure you are choosing it with the trade-offs in front of you instead of finding them out in year two.
The Don't Screw It Up guide — the mistakes that cost Canadian buyers the most, and how to sidestep them.
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