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.
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 |
|---|
Indi Mortgage Central Ontario
4.9 · 610 reviews · Free pre-approval
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The Mortgage Centre Guelph
4.9 · 360 reviews · Free pre-approval
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Paul Gazzola - Guelph Mortgage Architects
4.9 · 238 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 →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Indi Mortgage Central Ontario | 4.9 | 610 | Free Consultation | (519) 341-1299 | Visit |
| 2 | The Mortgage Centre Guelph | 4.9 | 360 | Free Consultation | (519) 763-3900 | Visit |
| 3 | Paul Gazzola - Guelph Mortgage Architects | 4.9 | 238 | Free Consultation | (519) 763-6436 | Visit |
| 4 | Jeff Whitmell - Mortgage Broker - DMG Diamond Mortgage Group Inc. | 5.0 | 204 | — | (519) 830-9991 | Visit |
| 5 | Amanda Lawson Mortgage Agent - Level 2 | 5.0 | 165 | — | (519) 835-7854 | Visit |
| 6 | Rob Campbell Mortgage | 5.0 | 135 | Free Consultation | (226) 486-1477 | Visit |
| 7 | Mortgage Guys | 5.0 | 77 | — | (519) 763-7198 | Visit |
| 8 | David Pipe - Mortgages, Life Insurance, Investments - WealthTrack | 5.0 | 65 | Free Consultation | (226) 486-1133 | Visit |
| 9 | Nancy Ingram - Dominion Lending Centres - FC Funding - Mortgage Agent Level 2 Guelph | 4.8 | 43 | — | (519) 654-6486 | Visit |
| 10 | Nicole Petty: Dominion Lending Centres | 4.9 | 40 | Free Consultation | (519) 820-8385 | 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.