How much house can you afford in Oakville? 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 Broker (Formerly Loewen Group Mortgages)
5.0 · 798 reviews · Free pre-approval
Get pre-approved →
Amrit Bains - Mortgage Broker
5.0 · 197 reviews · Free pre-approval
Get pre-approved →
Mountainview Mortgage - The Mortgage Centre - Daniel Christoff
5.0 · 185 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 →
INDI Mortgage Broker focuses on making the mortgage process clear and smooth, with a team known for their patient advice and flexibility, including virtual signings. They assist clients in finding suitable mortgage options and are appreciated for their professional, approachable support throughout what can be a complex process.
Licensed and focused on transparent, client-centered service, this brokerage offers a wide range of mortgage options including first-time buyer programs, refinancing, and self-employed mortgages. The team is known for clear communication and fast pre-approvals, helping clients navigate complex situations with fewer credit checks. Customers appreciate their responsiveness and guidance throughout… more...
Licensed and focused on transparent, client-centered service, this brokerage offers a wide range of mortgage options including first-time buyer programs, refinancing, and self-employed mortgages. The team is known for clear communication and fast pre-approvals, helping clients navigate complex situations with fewer credit checks. Customers appreciate their responsiveness and guidance throughout the process.
Mountainview Mortgage specializes in matching clients with ideal mortgage solutions by shopping over 100 lenders, offering personalized support through every step. Their team handles everything from first-time homebuyer needs to refinancing and credit challenges, with clients appreciating their clear communication and ongoing assistance after closing. Some note occasional wait times during busy… more...
Mountainview Mortgage specializes in matching clients with ideal mortgage solutions by shopping over 100 lenders, offering personalized support through every step. Their team handles everything from first-time homebuyer needs to refinancing and credit challenges, with clients appreciating their clear communication and ongoing assistance after closing. Some note occasional wait times during busy periods.
Mortgage Allies focuses on empowering clients through education and personalized mortgage solutions, including new mortgages, renewals, refinancing, and pre-approvals. Their team is known for clear guidance and patience, helping clients navigate complex situations with confidence. Many appreciate their structured Debt Snowball Plan aimed at accelerating mortgage freedom.
Specializing in strategic mortgage solutions beyond just rates, Wilson D'Souza helps clients navigate complex situations including self-employment and credit challenges. The team offers a broad range of services from first-time home buying to refinancing and investment property financing, with clear communication and thorough guidance praised by customers. Some note the detailed process requires… more...
Specializing in strategic mortgage solutions beyond just rates, Wilson D'Souza helps clients navigate complex situations including self-employment and credit challenges. The team offers a broad range of services from first-time home buying to refinancing and investment property financing, with clear communication and thorough guidance praised by customers. Some note the detailed process requires patience, but many appreciate the steady support throughout.
OakPark Mortgage Group specializes in exploring all lender options to find personalized mortgage solutions beyond traditional banks. They assist with home purchases and refinancing, providing clear guidance through complex processes. Clients appreciate the team’s professionalism, responsiveness, and ability to handle challenging situations efficiently.
Known for clear communication and a patient approach, Iris Dowling helps clients navigate the mortgage process with confidence. The team assists with everything from first-time home purchases to mortgage renewals, consistently providing thorough explanations and timely responses. Customers appreciate the smooth, stress-reduced experience throughout each step.
Signature Mortgage Group specializes in personalized mortgage solutions backed by extensive local market knowledge and strong lender connections. Their team offers a wide range of services, including first-time homebuyer support, refinancing, and credit improvement, with clear explanations and transparent comparisons. Clients appreciate their responsiveness and thorough guidance throughout the… more...
Signature Mortgage Group specializes in personalized mortgage solutions backed by extensive local market knowledge and strong lender connections. Their team offers a wide range of services, including first-time homebuyer support, refinancing, and credit improvement, with clear explanations and transparent comparisons. Clients appreciate their responsiveness and thorough guidance throughout the mortgage process.
With over 12 years of experience and access to more than 50 lenders, Best Rates focuses on finding mortgage solutions that fit each client’s unique financial goals. Their licensed agents assist with home purchases, refinancing, renewals, and more, guiding clients clearly through every step. Customers appreciate their fast, transparent process and supportive communication throughout.
Known for a patient and clear approach, this mortgage broker helps clients navigate both first-time home purchases and refinancing with ease. The team offers thorough explanations and attentive support throughout the mortgage application process. Customers appreciate the professional, smooth experience, though some note the process can take time.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | INDI Mortgage Broker (Formerly Loewen Group Mortgages) | 5.0 | 798 | Free Consultation | (289) 337-4029 | Visit |
| 2 | Amrit Bains - Mortgage Broker | 5.0 | 197 | Free Consultation | (905) 593-3631 | Visit |
| 3 | Mountainview Mortgage - The Mortgage Centre - Daniel Christoff | 5.0 | 185 | Free Consultation | (647) 878-5286 | Visit |
| 4 | Mortgage Allies | 5.0 | 102 | $50 | (647) 281-3301 | Visit |
| 5 | Wilson D'Souza Mortgage Agent | 5.0 | 71 | — | (647) 295-9504 | Visit |
| 6 | OakPark Mortgage Group | 4.9 | 63 | Free Consultation | (905) 257-2245 | Visit |
| 7 | Mortgage Broker, Iris Dowling | 5.0 | 57 | Free Consultation | (416) 567-9915 | — |
| 8 | Signature Mortgage Group - Your Mortgage Team | 5.0 | 55 | Free Consultation | (905) 469-0766 | Visit |
| 9 | Best Rates | 5.0 | 50 | Free Consultation | (416) 822-7357 | Visit |
| 10 | Certified Mortgage Broker | 5.0 | 39 | — | (289) 768-8090 | 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.