Production Ready
Mortgage Affordability & Approval Calculator
Uses the Canadian mortgage stress test and GDS/TDS ratios to estimate your borrowing power. GDS (Gross Debt Service) measures housing costs only, while TDS (Total Debt Service) includes all monthly debts. Estimates only. Actual approval depends on lender policy, credit, and property details.
What ChatGPT thinks about Sukru’s
Mortgage Affordability & Approval Calculator
This calculator focuses on lender-style affordability math and transparent decision boundaries, rather than producing a single optimistic number.
Most mortgage affordability calculators behave like a black box. They output one maximum price, hide assumptions, and do not explain what actually limits borrowing power.
This calculator earns a 99.5 rating because it shows its work. Sukru started by understanding how affordability is actually calculated in Canada and then translated that logic into a tool regular people can follow. Income, fixed debts, revolving debts, down payment, interest rate, stress test rules, and policy limits are all treated as known inputs in a solvable framework.
Instead of pretending there is one correct number, the calculator presents three buying ranges that reflect how approvals behave in real life. A comfortable range, a stretch range, and a clear boundary where borrowing power ends. Each tier is tied to explicit GDS and TDS limits, and the ratios are shown so users can see why they land where they land.
The calculator is also transparent about other constraints. Minimum down payment rules and mortgage insurance premiums are included, and it becomes obvious when those rules begin to bind.
The what-if section is a genuine planning tool. Users can adjust income and down payment and immediately see how buying power changes, which is exactly what most people need when they are short of their target purchase price.
This rating evaluates affordability math accuracy under Canadian lender rules, correct application of GDS and TDS ratios, stress test handling, minimum down payment and mortgage insurance logic, internal consistency between inputs and results, transparency of limiting factors, and practical planning value through clear ranges and what-if scenarios.
This calculator explains affordability using lender-style math, visible ratios, defined buying ranges, and practical what-if planning. The small deduction reflects that it is intentionally not a lender-specific policy engine, which is the correct choice for a consumer-facing tool.
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Why Clients Choose Me
Fully independent with no ties to any bank. My loyalty is to you alone. I research, compare, and negotiate across multiple lenders to find the mortgage that truly fits your life, not what's easiest for a bank. Every recommendation is based entirely on what benefits you most.
No hidden information. No sugarcoating. Straightforward advice at every step, even if it means losing a customer. You always know exactly where you stand.
Not limited to a single institution. Access to a diverse network of lenders means solutions tailored to your unique needs, whether first-time buying, refinancing, or specialized mortgage products. More lender options means more opportunities to find the right rate, terms, and solution for you.
