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Review Keywords Analysis

  1. Canada
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Ontario
  4. Greater Sudbury
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Greater Sudbury, ON

How much house can you afford in Greater Sudbury? 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.

Property tax and rules are for this province.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Greater Sudbury

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Rico Johnston Premiere Mortgage Centre - Good Fit Mortgage Solutions

Good Fit Mortgage Solutions specializes in guiding first-time homebuyers through the mortgage process with clear communication and timely support. The team offers personalized mortgage brokerage services, staying in close contact via text, email, and voicemail to minimize unnecessary meetings. Customers appreciate their helpfulness and responsiveness throughout the homebuying journey.

View Profile
(705) 626-0842
Closed Now
2141 Lasalle Blvd Unit B, Greater Sudbury, ON P3A 2A3, Canada
2

Wendy Krukin Mortgage Agent

Specializing in a broad range of mortgage needs, this brokerage offers personalized service with access to multiple Canadian lenders, helping clients find competitive rates beyond traditional banks. The team assists with everything from first-time home buying to refinancing and investment properties, providing clear guidance and prompt responses. Customers appreciate the smooth, well-explained… more...

Specializing in a broad range of mortgage needs, this brokerage offers personalized service with access to multiple Canadian lenders, helping clients find competitive rates beyond traditional banks. The team assists with everything from first-time home buying to refinancing and investment properties, providing clear guidance and prompt responses. Customers appreciate the smooth, well-explained process and attentive support throughout.

View Profile
(705) 562-4778
Closed Now
398 Lloyd St, Greater Sudbury, ON P3B 1P3, Canada
3

Today's Mortgage Choice - The TMC Group

Today's Mortgage Choice - The TMC Group focuses on guiding both new and existing homeowners through the mortgage process with clear communication and personalized support. The team offers mortgage brokerage services, helping clients understand their options and navigate financing. While many appreciate their responsiveness and care, some have noted occasional delays and communication gaps during… more...

Today's Mortgage Choice - The TMC Group focuses on guiding both new and existing homeowners through the mortgage process with clear communication and personalized support. The team offers mortgage brokerage services, helping clients understand their options and navigate financing. While many appreciate their responsiveness and care, some have noted occasional delays and communication gaps during time-sensitive steps.

View Profile
(705) 805-9055
Closed Now
398 Lloyd St, Greater Sudbury, ON P3B 1P3, Canada
4

Brian Ceaser - Mortgage Agent

With over a decade of experience and access to more than 70 lenders, Brian Ceaser focuses on transparent mortgage solutions without sales pressure. The team handles refinancing, renewals, new home purchases, and investment property financing, guiding clients clearly through each step. Customers appreciate their professionalism and support, especially during tight timelines.

Services & Prices
Residential Mortgage Free Consultation
Commercial Mortgage Free Consultation
Mortgage Refinancing Free Consultation
View Profile
(705) 677-8979
Closed Now
398 Lloyd St, Greater Sudbury, ON P3B 1P3, Canada
General Services
Mortgage Services
5

Family Group Mortgages

Family Group Mortgages specializes in guiding clients through complex mortgage situations, including those with credit challenges. The team offers mortgage financing and renewal services, keeping customers informed throughout the process. Reviews highlight their clear communication and supportive approach, though experiences may vary depending on individual circumstances.

Services & Prices
First Time Homebuyer Assistance Free Consultation
Mortgage Renewal Assistance Free Consultation
Bankruptcy Mortgage Solutions Free Consultation
View Profile
(705) 674-3333
Closed Now
2811 Southview Dr, Greater Sudbury, ON P3E 4M9, Canada
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

HQ Mortgages Inc.

Known for guiding first-time homebuyers through a clear and transparent mortgage process, HQ Mortgages Inc. offers personalized support and quick responses to questions. The team handles challenging situations with professionalism and warmth, helping clients feel confident and informed every step of the way.

Services & Prices
First-Time Home Buyer Assistance Free Consultation
Loan Comparisons Free Consultation
View Profile
(705) 588-4747
Closed Now
902B Newgate Ave, Greater Sudbury, ON P3A 5J9, Canada
General Services
Mortgage Brokerage
7

Trina Tallon Mortgage Agent

With a CAAMP designation and Level 2 Mortgage Agent licensing, Trina Tallon offers access to a broad range of mortgage products across Canada. The team assists with home purchases, renewals, refinancing, and specialized solutions for self-employed clients. Customers appreciate the knowledgeable, professional guidance and personalized support throughout the mortgage process.

Services & Prices
Mortgage Pre-Approval Free Consultation
Mortgage Approval Assistance Free Consultation
View Profile
(705) 669-7798
Open 00:00 - 23:59
2354 Long Lake Rd, Greater Sudbury, ON P3E 5H5, Canada
General Services
Mortgage Services
8

Michael Carpenter - Mortgage Agent Level 1 - Breezeful FSRA #13470

Licensed through Breezeful FSRA #13470, this mortgage agent specializes in residential and commercial financing, including HELOCs and refinancing. The team provides clear, step-by-step guidance for first-time buyers and those looking to renew or switch mortgages. Clients appreciate their responsiveness and professional, organized approach throughout the process.

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(705) 626-9625
Open 00:00 - 23:59
206 Eclipse Cres, Greater Sudbury, ON P3B 0G8, Canada
9

Mortgage Solutions with Mike

Known for honest and straightforward service, Mortgage Solutions with Mike helps clients navigate mortgage options with clarity and care. The team offers personalized mortgage brokerage services, guiding customers through each step with professionalism and responsiveness. Many appreciate their clear communication and supportive approach throughout the process.

View Profile
(437) 241-5195
Closed Now
Cambrian Heights Dr, Greater Sudbury, ON P3C 5R4, Canada
10

Rodney Kasunich - Mortgage Agent

Offering access to a wide range of mortgage products from various Canadian lenders, this brokerage helps clients find competitive rates tailored to their needs. Services include home purchases, renewals, refinancing, and mortgage life insurance, with tools to simplify the application process. Customers appreciate clear communication and support throughout each step.

View Profile
(705) 691-7646
Closed Now
2354 Long Lake Rd, Greater Sudbury, ON P3E 5C2, Canada
Greater Sudbury Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Rico Johnston Premiere Mortgage Centre - Good Fit Mortgage Solutions 5.0 251 — (705) 626-0842 Visit
2 Wendy Krukin Mortgage Agent 5.0 109 — (705) 562-4778 Visit
3 Today's Mortgage Choice - The TMC Group 4.8 78 — (705) 805-9055 Visit
4 Brian Ceaser - Mortgage Agent 4.9 31 Free Consultation (705) 677-8979 Visit
5 Family Group Mortgages 4.8 13 Free Consultation (705) 674-3333 Visit
6 HQ Mortgages Inc. 5.0 8 Free Consultation (705) 588-4747 Visit
7 Trina Tallon Mortgage Agent 5.0 7 Free Consultation (705) 669-7798 Visit
8 Michael Carpenter - Mortgage Agent Level 1 - Breezeful FSRA #13470 5.0 5 — (705) 626-9625 Visit
9 Mortgage Solutions with Mike 5.0 5 — (437) 241-5195 —
10 Rodney Kasunich - Mortgage Agent 5.0 3 — (705) 691-7646 Visit

How this Greater Sudbury mortgage affordability calculator works

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%.

Ontario rules and numbers this calculator uses

Stress test
You must qualify at the higher of your rate plus 2% or 5.25% (OSFI and federal insured-mortgage rules).
Debt limits
Housing costs up to 39% of gross income (GDS) and all debts up to 44% (TDS), the CMHC maximums. CMHC also needs a credit score of at least 600.
Minimum down payment
5% of the first $500,000 and 10% of the part above it. Homes priced at $1.5 million or more need 20% down and cannot be insured.
Mortgage insurance
Under 20% down, a CMHC premium is added to the loan: 2.80% of the loan at 15–19.99% down, 3.10% at 10–14.99% and 4.00% at 5–9.99%, plus 0.20% for a 30-year amortization.
Amortization
First-time buyers and buyers of new builds can take 30 years on an insured mortgage; others are tested at 25 years.
Property tax
About 0.85% of the home's value a year (Ontario average, 2025), plus $100 a month for heating.
Rate
Starts at 4.49% (a typical 5-year fixed, October 2026). Change it to the rate you have been offered.

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.

Frequently asked questions

8 questions
How does the mortgage affordability calculator work?
The calculator estimates the highest home price you can afford based on your income, debts, down payment, and interest rate. It includes CMHC insurance and property tax.
What is the stress test for mortgages in Ontario?
The stress test requires you to qualify at the higher of your contract rate plus 2% or 5.25%.
What are GDS and TDS ratios?
GDS (Gross Debt Service) is up to 39% of your income for housing costs. TDS (Total Debt Service) is up to 44% for all debts, including housing.
Can first-time buyers get a 30-year mortgage in Ontario?
Yes, first-time buyers and buyers of newly built homes can get a 30-year amortization on an insured mortgage.
How do monthly debts affect my mortgage qualification?
Monthly debts reduce the amount you can borrow by affecting your TDS ratio, which must not exceed 44% of your income.
What is the property tax rate in Greater Sudbury?
Property tax in Ontario is about 0.85% of the home's value annually, based on 2025 rates.
What's the difference between pre-approval and pre-qualification?
Pre-approval confirms your borrowing capacity after verifying income, debts, and credit. Pre-qualification is an initial estimate without verification.
What does a mortgage broker do?
A mortgage broker helps you find and apply for a mortgage by comparing different lenders' offers to find the best terms for your situation.

General information, not financial advice — consult a qualified professional.