How much house can you afford in Calgary? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · 2026 stress test and CMHC rules
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings, RRSP Home Buyers' Plan, FHSA and gifts from family all count. Minimum: 5% of the first $500,000, 10% above that.
4.49% (a typical 5-year fixed, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Mortgages for Less team at Axiom Mortgage SolutionsPremium
5.0 · 300 reviews · Free pre-approval
Get pre-approved →
Owen Langis | Mortgage ConnectionPremium
5.0 · 41 reviews · Free pre-approval
Get pre-approved →
Canadian Mortgage ProfessionalsVerified
5.0 · 100 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Mortgages for Less focuses on making the mortgage process straightforward and approachable, especially for first-time buyers. The team guides clients through pre-approval, document gathering, and signing while maintaining clear communication and responsiveness. Customers appreciate their friendly, patient support and the effort to secure competitive rates.
Specializing in mortgages for self-employed individuals, Owen Langis | Mortgage Connection helps business owners across Alberta and British Columbia secure financing that reflects their true income. The team offers services like stated income programs and income gross-up strategies, with clients appreciating their clear communication and patient guidance throughout the process.
With over three decades of experience, Canadian Mortgage Professionals offers personalized mortgage advice that helps make homeownership clearer and less stressful. Their team guides clients through residential mortgage options with patience and clear communication, often praised for being responsive and easy to reach throughout the process. Some clients note the wait times involved with new… more...
With over three decades of experience, Canadian Mortgage Professionals offers personalized mortgage advice that helps make homeownership clearer and less stressful. Their team guides clients through residential mortgage options with patience and clear communication, often praised for being responsive and easy to reach throughout the process. Some clients note the wait times involved with new builds, but appreciate the consistent updates and support.
True North Mortgage offers a best-rate guarantee on primary residence mortgages across Canada, backed by over 15 years of experience. The team assists with mortgage transfers and new purchases, often praised for clear communication, responsiveness, and handling urgent requests efficiently. Some clients note the process can be fast-paced but well organized.
Known for a straightforward approach and honest advice, Mortgage Mark Herman - Mortgages Are Marvellous specializes in first-time homebuyer mortgages and renewals. The team offers personalized mortgage options and clear explanations, helping clients navigate rates and market conditions without pressure. Customers appreciate their responsiveness and how comfortable they make the process feel.
Rock Solid Mortgages specializes in helping Canadian clients, especially first-time homebuyers, secure competitive mortgage rates in Calgary and nearby communities. The team guides customers through complex situations with clear communication and quick responses, though some find the process naturally detailed and document-heavy.
Known for working exclusively with local Calgarians, Mortgages Are Marvellous - Dominion Lending offers personalized mortgage guidance without the delays often found at large banks. The team helps clients navigate home purchases and renewals with clear communication and thorough support, though a few note limited availability outside regular hours.
The Mortgage Group focuses on making the home loan process clear and manageable, especially for first-time buyers. Their team helps clients navigate mortgage applications with straightforward advice and steady support, often staying involved to ensure deadlines and details are met. Some customers note occasional delays tied to external parties like builders or appraisers.
Mortgage Connection specializes in guiding clients through the entire mortgage financing process with clear communication and personalized support. The team handles everything from first-time home purchases to renewals, often praised for responsiveness and professionalism. Some customers note occasional delays or mix-ups, but many appreciate the patient, informative approach.
True North Mortgage is known for clear communication and responsive service, often praised for making the mortgage process less stressful. The team helps clients find competitive rates and mortgage options, including deals from major banks. Customers appreciate their attentiveness and timely follow-ups, though some note the experience can vary depending on the broker assigned.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Mortgages for Less team at Axiom Mortgage Solutions | 5.0 | 300 | — | (587) 602-4835 | Visit |
| 2 | Owen Langis | Mortgage Connection | 5.0 | 41 | n/a | (403) 968-8512 | Visit |
| 3 | Canadian Mortgage Professionals | 5.0 | 100 | — | — | Visit |
| 4 | True North Mortgage | 4.9 | 509 | Free Consultation | (403) 474-4955 | Visit |
| 5 | Mortgage Mark Herman - Mortgages Are Marvellous | 5.0 | 244 | Free Consultation | (403) 681-4376 | Visit |
| 6 | Rock Solid Mortgages | 5.0 | 195 | Free Consultation | (403) 617-9740 | Visit |
| 7 | Mortgages Are Marvellous - Dominion Lending | 5.0 | 164 | Free Consultation | (403) 681-4376 | Visit |
| 8 | The Mortgage Group | 5.0 | 100 | Free Consultation | (403) 827-6278 | Visit |
| 9 | Mortgage Connection | 5.0 | 100 | Free Consultation | (587) 830-2059 | Visit |
| 10 | True North Mortgage | 5.0 | 100 | Free Consultation | (403) 452-8245 | Visit |
Lenders approve a mortgage when two ratios stay under their limits. Housing costs (mortgage payment, property tax and heating) must be no more than 39% of your gross income, and housing costs plus your other debt payments no more than 44%. The payment is tested at the qualifying rate, not your actual rate. The calculator finds the highest home price that passes both tests and the minimum down payment rules, and adds CMHC insurance to the loan when you put down less than 20%.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: CMHC homeowner mortgage loan insurance requirements and premiums, Finance Canada mortgage reforms effective December 15, 2024, OSFI minimum qualifying rate, 2025 municipal residential tax rates.
General information, not financial advice — consult a qualified professional.