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.
Choosing the right mathematician as your mortgage specialist could save you thousands.
Every mortgage is unique, with different rates, terms, and options to compare. I’ll review your situation and explain the best path clearly and honestly. Let’s start your conversation today.
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.
Access to exclusive rates not available to the public. Even if you're pre-approved elsewhere, I'll review your situation to ensure you get the best possible terms, saving you thousands over your mortgage's lifetime.
Click here to see our rates →
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 products.
Click here to see our lending partners →
Your mortgage should fit your life, not the other way around. I take time to understand your finances, goals, and challenges to create solutions that address credit, self-employment, or complex situations. Your needs guide every decision.
Call, text, or WhatsApp anytime, long messages welcome. Read receipts keep things clear. Flexible scheduling from first conversation to closing. You're never left wondering.
Click here for my contact information →
A master negotiator working for you. Leveraging experience and lender relationships to lock in lower rates, reduce fees, and secure flexible conditions others might miss. Your interests always come first.
Backed by Kingsdale Mortgage Centre, one of Canada's fastest-growing brokerages. Access to top-tier lenders, advanced tools, and an experienced team. Expert guidance at every step.
Click here to visit Kingsdale Mortgage Centre website →
A perfectionist by nature, and you'll appreciate it. Every document reviewed, every deadline met, every detail handled with precision. No last-minute surprises. Just a smooth, stress-free process.
Before mortgages, I spent over 10 years as a high school math teacher, helping students master everything from algebra to calculus. I bring that same mindset to your mortgage: breaking down complex terms into simple, practical explanations. A mortgage is a math problem about numbers, variables, and percentages that shape your financial picture. My teaching background means you'll actually understand your options, not just sign papers. See for yourself at www.Mr.Akyuz.ca.
Click here to visit my teaching website, Mr.Akyuz.ca →
Your feedback makes me better. Compliments or criticism, I welcome it all. Every client benefits from what I've learned. Constantly refining to deliver my very best.
Click here to read testimonials →
Practical mortgage news, market trends, and strategies, plus real client stories. Educational content that simplifies complex topics and helps you make confident decisions.
Click here to read my blog →
Here for the long run, from first home to future investments. I proactively stay in touch, review your options when rates change, and guide you through every financial milestone. Support whenever you need it.
Clear explanations of rates, payments, and amortization. No theory, just practical understanding of your borrowing power and long-term financial strategy.
