How much house can you afford in Kitchener? 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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Dominion Lending Centres - Tracy Valko and Valko Financial Ltd FSRA #13717
4.9 · 579 reviews · Free pre-approval
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Dominion Lending Centres - Elite Mortgage Group -Leslie Morris
5.0 · 125 reviews · Free pre-approval
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YourKWagents-Richard Castillo Mortgages - Simpson & Associates Mortgage Team - Dominion Lending Centre
5.0 · 123 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 →
Licensed mortgage professionals at Valko Financial Ltd specialize in strategic mortgage planning with a focus on protecting clients’ credit through a single credit check. They offer services including refinancing, renewals, and tailored solutions for first-time buyers and self-employed individuals. Clients appreciate their clear communication and responsive support throughout the process.
Known for responsive and personalized service, Dominion Lending Centres - Elite Mortgage Group - Leslie Morris helps clients navigate mortgage renewals and remortgages with ease. The team offers virtual and in-person consultations, working diligently to find competitive rates and resolve issues quickly. Customers appreciate their clear communication and thorough support throughout the process.
Known for providing clear, personalized mortgage advice, YourKWagents-Richard Castillo Mortgages offers access to a wide range of mortgage products and competitive rates across Canada. The team assists with home purchases, refinancing, renewals, and equity access, often helping clients navigate complex situations with detailed explanations. Customers appreciate their knowledgeable, responsive… more...
Known for providing clear, personalized mortgage advice, YourKWagents-Richard Castillo Mortgages offers access to a wide range of mortgage products and competitive rates across Canada. The team assists with home purchases, refinancing, renewals, and equity access, often helping clients navigate complex situations with detailed explanations. Customers appreciate their knowledgeable, responsive approach and the confidence it brings throughout the process.
Dominion Lending Centres Evolv Mortgage Group offers access to a wide range of lenders, providing competitive mortgage options tailored to various needs, including self-employed clients and seniors. The team guides borrowers through home purchases, refinancing, and renewals with clear explanations and ongoing support. Clients appreciate their professionalism, responsiveness, and patient… more...
Dominion Lending Centres Evolv Mortgage Group offers access to a wide range of lenders, providing competitive mortgage options tailored to various needs, including self-employed clients and seniors. The team guides borrowers through home purchases, refinancing, and renewals with clear explanations and ongoing support. Clients appreciate their professionalism, responsiveness, and patient communication throughout the process.
Specializing in guiding first-time homebuyers through mortgage financing, the Dominion Lending Dan Simpson Team offers clear communication and step-by-step support throughout the process. The team handles mortgage options and document preparation with patience and responsiveness, helping clients feel informed and comfortable during what can be a stressful time.
Pekoe Mortgages offers a unique Rate Drop Guarantee, giving clients up to $2,000 cash back if a better mortgage rate is found after closing. The team specializes in purchases, refinancing, and renewals, providing fast approvals within 24 hours and access to a broad lender network. Customers appreciate their clear communication and personalized guidance throughout the mortgage process.
Specializing in personalized mortgage solutions, Morwin George at BMO helps clients navigate the home-buying process with patience and clear guidance. The team offers tailored advice, rate negotiations, and support for first-time buyers, with many customers appreciating their responsiveness and dedication throughout each step. Some find the process detailed but manageable with their assistance.
Licensed as a Mortgage Agent Level 2, Ryan Roth Mortgages offers access to a wide network of lenders across Canada, providing options beyond traditional banks. The team assists with home purchases, renewals, refinancing, and solutions for self-employed clients, often making complex processes easier to understand. Customers appreciate their responsiveness and clear guidance throughout.
Known for providing attentive, personalized service to a wide range of clients, Felipe Alfonso Cardona Mortgages - EVOLV Mortgage Group DLC guides homebuyers through every step of the mortgage process with clear communication and professionalism. The team handles everything from first-time purchases to high-end financing, consistently noted for being thorough and responsive, though some may find… more...
Known for providing attentive, personalized service to a wide range of clients, Felipe Alfonso Cardona Mortgages - EVOLV Mortgage Group DLC guides homebuyers through every step of the mortgage process with clear communication and professionalism. The team handles everything from first-time purchases to high-end financing, consistently noted for being thorough and responsive, though some may find the process detailed.
Licensed and FSRA-regulated, MortgageKraft offers personalized mortgage solutions by accessing over 50 lenders to find competitive rates tailored to each client’s needs. The team assists with first-time home purchases, renewals, refinancing, and financing for investors and self-employed individuals, with clients appreciating their clear communication and attentive service.
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.