Affordability Calculator

Understanding your mortgage costs is the first step toward confident homeownership. This calculator uses Ontario-specific rules and current market assumptions to help you plan - then talk to Bobby for a strategy tailored to your situation.

Annual Household Income ($)

Monthly Debt Payments ($)

Down Payment ($)

Interest Rate (%)

Calculate Affordability

Uses standard GDS 39% / TDS 44% ratios. Ontario-specific. Not a pre-approval.

Why Use This Calculator?

Ontario mortgages involve provincial land transfer tax, CMHC insurance thresholds, and stress-test qualifying rates. Our tools are built for local rules - not generic US calculators.

Next Steps

Calculators show possibilities. A finance consultation turns numbers into a strategy - especially for self-employed, private, and alternative lending scenarios.