How much house can you afford in Halifax? 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 |
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Alex Lavender - Mortgage Broker - Centum Home LendersPremium
4.9 · 163 reviews · Free pre-approval
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Earl Smith, Halifax Mortgage BrokerVerified
5.0 · 93 reviews · Free pre-approval
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Clinton Wilkins Mortgage Team - Dartmouth
4.9 · 487 reviews · Free pre-approval
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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 →
Specializing in first-time homebuyers and alternative financing, Alex Lavender at Centum Home Lenders works with private and alternative lenders to find mortgage solutions for clients with varied credit situations. The team is known for clear communication, quick responses, and guiding clients patiently through what can be a stressful process.
Specializing in construction, commercial, and investment property financing, this Halifax mortgage broker offers tailored mortgage solutions backed by extensive lender experience. The team is known for clear communication and responsiveness, guiding clients smoothly through the process, though some find the pace a bit brisk at times.
Clinton Wilkins Mortgage Team offers a wide range of lending options by partnering with industry leaders to help clients find the best mortgage products. The team guides customers through every step of home buying or refinancing with clear communication and responsiveness. Some clients note the process can be detailed, but the team’s support helps make it manageable.
Licensed as NS #20213000089, this mortgage broker team is known for guiding clients through Atlantic Canada’s challenging housing market with patience and clear communication. They offer mortgage pre-approvals, renewals, and debt consolidation, with customers appreciating their responsiveness and thorough explanations, though some prefer a single point of contact during the process.
With nearly three decades of experience in relationship management, Bruce Lusby offers mortgage lending guidance focused on client needs and integrity. The team works with over 25 lenders to find suitable mortgage solutions, including complex cases like construction financing. Customers appreciate their patience, clear communication, and steady support throughout the process.
Specializing in mortgages for first-time homebuyers and interprovincial relocations, this broker offers a wide range of lender options tailored to individual financial goals. Services include buying, refinancing, and renewing mortgages, with a smooth process supported by remote communication and a secure online portal. Clients appreciate the team’s clear explanations and responsiveness throughout… more...
Specializing in mortgages for first-time homebuyers and interprovincial relocations, this broker offers a wide range of lender options tailored to individual financial goals. Services include buying, refinancing, and renewing mortgages, with a smooth process supported by remote communication and a secure online portal. Clients appreciate the team’s clear explanations and responsiveness throughout each step.
Licensed to offer a wide range of mortgage products from major banks and credit unions, Cathy Parker Associate Mortgage Broker NS helps clients find options beyond what a single institution provides. The team guides first-time and repeat buyers through each step with patience and clear explanations, making the process straightforward and supportive. Some clients note room for clearer… more...
Licensed to offer a wide range of mortgage products from major banks and credit unions, Cathy Parker Associate Mortgage Broker NS helps clients find options beyond what a single institution provides. The team guides first-time and repeat buyers through each step with patience and clear explanations, making the process straightforward and supportive. Some clients note room for clearer communication on numbers, but appreciate the personal attention throughout.
Known for clear communication and a smooth mortgage process, the Clinton Wilkins Mortgage Team helps clients navigate home financing with ease. They offer personalized mortgage lending services and are often praised for professionalism and promptness. Some clients note the team’s thorough explanations make decisions easier to understand.
Specializing in private residential mortgages, Craigburn Capital assists homeowners who have been refused by banks to secure financing up to their home equity. The team offers services including home buyer financing, mortgage renewals, and private mortgage options. Customers appreciate their responsiveness and patient guidance throughout the loan process.
Licensed to offer a wide range of mortgage options from major banks, credit unions, and trust companies, Cyrus Habibi helps clients find mortgages suited to their financial situations. The team guides first-time buyers and investors through the process with clear communication and responsiveness, though some clients note paperwork can be detailed for complex cases.
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.