How much house can you afford in Hamilton? 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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Bold Mortgage Group - Mortgage Financial Corporation Lic. #10421Verified
5.0 · 100 reviews · Free pre-approval
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Mission35 Mortgages
5.0 · 499 reviews · Free pre-approval
Get pre-approved →
Synergy Mortgage Group
4.9 · 102 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 →
Licensed as Mortgage Financial Corporation Lic. #10421, Bold Mortgage Group tailors mortgage solutions for first-time buyers and investors alike. Their team guides clients through each step with clear communication and personalized attention, helping ease common stresses. While the process can be detailed, customers appreciate the group’s knowledgeable and approachable support.
Known for a personal and supportive approach, Mission35 Mortgages helps clients with personal, business, and investment mortgage needs. The team guides borrowers through the entire process with clear communication and kindness, making complex financing easier to navigate. Some customers note occasional delays but appreciate the consistent availability and thorough assistance.
Synergy Mortgage Group works exclusively for clients to explore all mortgage options and streamline the financing process. The team offers personalized guidance for first-time buyers, refinancing, and investment properties, with prompt communication and thorough support. Some customers note the fast pace can feel intense but appreciate the clear answers throughout.
Known for responsive and personalized mortgage guidance, Davis Carroll helps clients navigate complex home financing with clear communication and steady support. The agents assist with mortgage approvals, refinancing, and broker consultations, often staying available beyond regular hours. Customers appreciate the team’s patience and thorough explanations, especially first-time buyers.
Empire Mortgage Group focuses on guiding clients through every step of the mortgage process with clear communication and personalized financial planning. Their team assists with home purchases, refinancing, and investment property loans, often praised for responsiveness and professionalism. Some customers note the process can feel detailed but appreciate the thorough support.
The Personal Mortgage Group specializes in guiding first-time homebuyers through the mortgage process with clear explanations and responsive support. Their team helps clients explore mortgage options, pre-approvals, and refinancing, often noted for making complex decisions easier and keeping the experience smooth. Some customers mention occasional delays but appreciate the professional and… more...
The Personal Mortgage Group specializes in guiding first-time homebuyers through the mortgage process with clear explanations and responsive support. Their team helps clients explore mortgage options, pre-approvals, and refinancing, often noted for making complex decisions easier and keeping the experience smooth. Some customers mention occasional delays but appreciate the professional and patient approach.
Best Mortgage Loans works with a wide range of respected local, national, and international lenders to find competitive mortgage rates. The team guides clients through the mortgage process with clear communication and professional support, though some may find the process takes time due to thoroughness. Customers appreciate the personalized attention and steady updates throughout their… more...
Best Mortgage Loans works with a wide range of respected local, national, and international lenders to find competitive mortgage rates. The team guides clients through the mortgage process with clear communication and professional support, though some may find the process takes time due to thoroughness. Customers appreciate the personalized attention and steady updates throughout their home-buying journey.
Canadian Mortgage Authority Inc. works independently to secure mortgage deals that prioritize your interests, not the banks’. Their team of full-time professionals across Ontario handles research, negotiation, and paperwork for home purchases, renewals, and refinancing. Customers appreciate their clear communication and patient guidance throughout the process.
Certified Mortgage Broker Hamilton works exclusively with licensed mortgage agents experienced in the Mississauga area, offering guidance on home buying, refinancing, and self-employed mortgages. The team handles documentation and lender communication, keeping clients informed throughout, though some cases can be complex and require patience.
Licensed mortgage agents at this Dominion Lending Centres Canuck Mortgage Group location offer access to a wide range of mortgage products from various Canadian banks and lenders. The team assists with first-time home purchases, refinancing, and equity takeouts, providing clear guidance throughout the process. Clients appreciate their responsiveness and thorough knowledge, though some note the… more...
Licensed mortgage agents at this Dominion Lending Centres Canuck Mortgage Group location offer access to a wide range of mortgage products from various Canadian banks and lenders. The team assists with first-time home purchases, refinancing, and equity takeouts, providing clear guidance throughout the process. Clients appreciate their responsiveness and thorough knowledge, though some note the process can be detailed.
We had the pleasure of working with Kyle and Josh at Synergy Mortgage Group. No matter what day or time they were always available to answer any questions or concerns that arose providing creative solutions to fit our needs. Their knowledge and professionalism are just a couple of reasons we would h…
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.