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Review Keywords Analysis

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

Mortgage Affordability Calculator Guelph, ON

How much house can you afford in Guelph? 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 Guelph

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

1

Indi Mortgage Central Ontario

With over two decades of experience, Indi Mortgage specializes in guiding clients through complex mortgage situations like self-employment and refinancing. Their team offers personalized support for first-time buyers, renewals, and investment properties, with clients appreciating clear communication and a smooth, well-informed process.

Services & Prices
Mortgage Approval Assistance Free Consultation
First-Time Homebuyer Programs Free Consultation
Conventional Loan Options Free Consultation
Alternative Financing Solutions Free Consultation
View Profile
(519) 341-1299
Open 8:30 AM - 5:00 PM
412 Laird Rd Unit 101, Guelph, ON N1G 3X7, Canada
General Services
Mortgage Brokerage
2

The Mortgage Centre Guelph

The Mortgage Centre Guelph has been serving clients for over 15 years with a focus on clear, honest mortgage advice and fast financing solutions. Their team helps with pre-approvals, refinancing, and navigating complex financial situations, often praised for being knowledgeable, patient, and supportive throughout the process. Some customers note the fast pace can feel intense, but many appreciate… more...

The Mortgage Centre Guelph has been serving clients for over 15 years with a focus on clear, honest mortgage advice and fast financing solutions. Their team helps with pre-approvals, refinancing, and navigating complex financial situations, often praised for being knowledgeable, patient, and supportive throughout the process. Some customers note the fast pace can feel intense, but many appreciate the efficiency.

Services & Prices
Mortgage Pre-Approval Free Consultation
Mortgage Refinancing Free Consultation
Debt Restructuring Free Consultation
Credit Improvement Plans Free Consultation
View Profile
(519) 763-3900
Open 9:00 AM - 5:00 PM
125 Norfolk St Ste C, Guelph, ON N1H 4J7, Canada
General Services
Mortgage Services
3

Paul Gazzola - Guelph Mortgage Architects

With nearly 40 years of experience, Guelph Mortgage Architects specializes in securing competitive mortgage rates through a network of over 50 lenders. The team offers a wide range of services, including first-time buyer programs, refinancing, and solutions for self-employed or credit-challenged clients. Customers appreciate their clear communication, responsiveness, and supportive approach… more...

With nearly 40 years of experience, Guelph Mortgage Architects specializes in securing competitive mortgage rates through a network of over 50 lenders. The team offers a wide range of services, including first-time buyer programs, refinancing, and solutions for self-employed or credit-challenged clients. Customers appreciate their clear communication, responsiveness, and supportive approach throughout the process.

Services & Prices
Loan Pre-Approval Free Consultation
Non-Bank Lending Options Free Consultation
First-Time Homebuyer Programs Free Consultation
Refinancing Services Free Consultation
View Profile
(519) 763-6436
Open 9AM - 5:30PM
3 Speedvale Ave E, Guelph, ON N1H 1J2, Canada
General Services
Mortgage Brokerage
4

Jeff Whitmell - Mortgage Broker - DMG Diamond Mortgage Group Inc.

Known for working with a broad network of over 50 lending partners, Diamond Mortgage Group offers personalized mortgage solutions tailored to each client’s financial goals. The team assists with everything from first-time home buying to refinancing and reverse mortgages, often praised for clear communication and patient guidance throughout the process. Some clients note the experience can feel… more...

Known for working with a broad network of over 50 lending partners, Diamond Mortgage Group offers personalized mortgage solutions tailored to each client’s financial goals. The team assists with everything from first-time home buying to refinancing and reverse mortgages, often praised for clear communication and patient guidance throughout the process. Some clients note the experience can feel detailed, reflecting the thorough approach taken.

View Profile
(519) 830-9991
Open 9:00 AM - 5:00 PM
221 Woolwich St, Guelph, ON N1H 3V4, Canada
5

Amanda Lawson Mortgage Agent - Level 2

Licensed as a Level 2 Mortgage Agent, Amanda Lawson offers personalized guidance through a wide range of mortgage options, including first-time home buying, refinancing, and investment properties. Clients appreciate the clear explanations and strategic approach, though some note the process can require patience due to thorough attention to detail.

View Profile
(519) 835-7854
Open 9:00 AM - 10:00 PM
182 Country Club Dr, Guelph, ON N1E 3L2, Canada
Where they are 10 on the map Click a pin for the profile and directions
6

Rob Campbell Mortgage

With over 15 years of experience and a licensed mortgage broker credential, Rob Campbell Mortgage connects clients to more than 40 lenders for purchases, refinances, and renewals. The team guides customers through a straightforward process, earning praise for clear communication and responsive service that helps reduce stress during mortgage decisions.

Services & Prices
Rate Review Free Consultation
Pre-Approval Free Consultation
Purchase Financing Free Consultation
Refinancing Free Consultation
View Profile
(226) 486-1477
Open 9:00 AM - 6:00 PM
699 Speedvale Ave W Unit 1, Guelph, ON N1K 1E6, Canada
General Services
Mortgage Renewals
7

Mortgage Guys

Mortgage Guys offers independent mortgage brokerage services with access to a wide network of lenders, providing clients with competitive rates guaranteed for up to 120 days. Their team assists with everything from first-time homebuyer guidance to refinancing, debt consolidation, and construction loans. Customers appreciate their responsiveness and clear communication throughout the mortgage… more...

Mortgage Guys offers independent mortgage brokerage services with access to a wide network of lenders, providing clients with competitive rates guaranteed for up to 120 days. Their team assists with everything from first-time homebuyer guidance to refinancing, debt consolidation, and construction loans. Customers appreciate their responsiveness and clear communication throughout the mortgage process.

View Profile
(519) 763-7198
Open 9:00 AM - 5:00 PM
100 Gordon St, Guelph, ON N1H 4H6, Canada
8

David Pipe - Mortgages, Life Insurance, Investments - WealthTrack

Known for a transparent, client-focused approach, WealthTrack offers mortgage solutions tailored to first-time buyers, investors, and those with unique financial situations. Alongside life insurance and investment planning, the team provides clear guidance and responsive support, helping clients feel informed and confident throughout the process.

Services & Prices
First-Time Homebuyer Mortgage Free Consultation
Refinancing Options Free Consultation
Conventional Mortgage Free Consultation
View Profile
(226) 486-1133
Open 8:00 AM - 8:00 PM
304 Stone Rd W Suite 171, Guelph, ON N1G 4W4, Canada
General Services
Mortgage Brokerage
9

Nancy Ingram - Dominion Lending Centres - FC Funding - Mortgage Agent Level 2 Guelph

With over 35 years in the financial industry and a strong focus on the Guelph market, this mortgage brokerage offers personalized guidance throughout the home-buying process. The team handles everything from first-time purchases to refinancing, often praised for clear communication and responsiveness. Some clients note the process can be detailed, but support remains consistent.

View Profile
(519) 654-6486
Open 9AM - 9PM
672 Woolwich St, Guelph, ON N1H 3Z1, Canada
10

Nicole Petty: Dominion Lending Centres

Known for clear communication and prompt responses, Nicole Petty at Dominion Lending Centres assists clients with mortgage approvals and renewals. The team guides customers through each step, making the process easier to understand. Clients appreciate their attention to detail and supportive approach during what can be a stressful experience.

Services & Prices
Mortgage Renewal Assistance Free Consultation
View Profile
(519) 820-8385
Open 00:00 - 23:59
368 Woolwich St #2, Guelph, ON N1H 3W6, Canada
General Services
Mortgage Services

How this Guelph 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?
It estimates the highest home price you can afford based on income, debts, down payment, and interest rate, factoring in CMHC insurance and property tax.
What is the mortgage stress test in Ontario?
You must qualify at the higher of your contract rate plus 2% or 5.25% to ensure you can handle potential rate increases.
What are GDS and TDS ratios?
GDS is 39% of gross income for housing costs; TDS is 44% for all debts, both at the qualifying rate.
Can first-time buyers get a 30-year amortization?
Yes, first-time buyers and buyers of newly built homes can opt for a 30-year amortization on an insured mortgage.
How do debts affect mortgage affordability?
Higher monthly debts reduce the amount you can borrow, as lenders consider your total debt service ratio (TDS).
What is the property tax rate in Ontario?
Property tax is approximately 0.85% of the home's value annually, based on 2025 municipal rates.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit for a firm number, while pre-qualification is an initial estimate.
What does a mortgage broker do?
A mortgage broker helps you find and negotiate mortgage terms with lenders, but this calculator provides estimates without broker involvement.

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