How much house can you afford in Oshawa? 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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The Mortgage Doctors | Oshawa & Durham Region Mortgages
4.9 · 126 reviews · Free pre-approval
Get pre-approved →
Mortgages by Gretchen, Trevi Mortgage Network
5.0 · 110 reviews · Free pre-approval
Get pre-approved →
Lend Today Mortgage Broker
4.9 · 72 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 →
The Mortgage Doctors specialize in personalized mortgage solutions backed by over 50 years of combined experience and a network of more than 50 lenders. Their team assists with everything from first-time homebuyer mortgages to refinancing, investment properties, and credit repair, guiding clients through a clear and supportive process. Customers appreciate their responsiveness and honest advice… more...
The Mortgage Doctors specialize in personalized mortgage solutions backed by over 50 years of combined experience and a network of more than 50 lenders. Their team assists with everything from first-time homebuyer mortgages to refinancing, investment properties, and credit repair, guiding clients through a clear and supportive process. Customers appreciate their responsiveness and honest advice, though some note the process can require patience.
Licensed through The Mortgage Centre, this team offers access to a wide range of mortgage products and competitive rates from numerous lenders across Canada. Services include home purchases, refinancing, renewals, and options for borrowers with credit challenges. Clients appreciate clear communication and personalized guidance throughout the mortgage process.
Known for personalized service and clear communication, Lend Today Mortgage Broker helps clients navigate mortgage options with care and expertise. The team works closely with each client to understand their financial situation and provide guidance throughout the process. Customers appreciate their responsiveness and supportive approach, though some find the process takes time.
Revo Financial specializes in personalized mortgage solutions for first-time buyers, self-employed individuals, and those seeking custom home financing. Their team guides clients through complex mortgage options with clear communication and a supportive approach. Customers appreciate their professionalism and responsiveness, though some note the process can still feel challenging.
Known for helping self-employed clients and others often turned down by banks, Mortgage Emporium offers a wide range of mortgage services including refinancing, first-time buyer programs, and private lending. Customers appreciate the team’s clear communication and steady support throughout the process, though some note the experience can require patience.
Specializing in private first and second mortgages, Noble GRPS Financial Inc. assists clients across Ontario with home equity loans, foreclosure prevention, and high-risk mortgage needs. The team supports those facing financial challenges, including bad credit and secured renovation loans, and provides clear guidance through complex mortgage processes. Some clients find the process demanding, but… more...
Specializing in private first and second mortgages, Noble GRPS Financial Inc. assists clients across Ontario with home equity loans, foreclosure prevention, and high-risk mortgage needs. The team supports those facing financial challenges, including bad credit and secured renovation loans, and provides clear guidance through complex mortgage processes. Some clients find the process demanding, but many appreciate the personalized support.
With experience dating back to 2016, Byran Peters offers mortgage solutions tailored to first-time buyers, those facing credit challenges, and seniors seeking reverse mortgages. The team provides clear guidance through complex financing, with clients appreciating their availability and support throughout the process, even during stressful moments.
Licensed as both a Mortgage Broker and Principal Broker, this team acts as personal shoppers and advocates throughout the mortgage process. They assist with purchases, refinancing, renewals, and specialized cases like self-employment or credit challenges. Clients appreciate the clear communication and steady guidance that help make complex situations manageable.
Transparent Mortgages operates as an independent brokerage, offering access to a wide range of mortgage options from various lenders. They assist with home purchases, refinancing, renewals, and specialized mortgages like self-employed and private loans. Clients appreciate their clear communication, responsiveness, and ability to navigate complex situations efficiently.
About This PageThe requested URL could not be found. This page indicates an error, and the content is not available. The site encourages users to try searching again.CredibilityNo information regarding credibility, certifications, awards, or industry affiliations is available on this page.OfferingsThis page does not detail any services, products, or solutions offered by the business.Unique… more...
About This PageThe requested URL could not be found. This page indicates an error, and the content is not available. The site encourages users to try searching again.CredibilityNo information regarding credibility, certifications, awards, or industry affiliations is available on this page.OfferingsThis page does not detail any services, products, or solutions offered by the business.Unique AdvantagesNo verifiable differentiators or unique advantages are listed on this error page.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | The Mortgage Doctors | Oshawa & Durham Region Mortgages | 4.9 | 126 | — | (905) 404-8001 | Visit |
| 2 | Mortgages by Gretchen, Trevi Mortgage Network | 5.0 | 110 | Free Consultation | (905) 718-7425 | Visit |
| 3 | Lend Today Mortgage Broker | 4.9 | 72 | — | (855) 242-7732 | Visit |
| 4 | Revo Financial | 5.0 | 54 | Free Consultation | (905) 999-8138 | Visit |
| 5 | The Mortgage Emporium Corporation | 4.9 | 47 | Free Consultation | (888) 421-9330 | Visit |
| 6 | Noble GRPS Financial Incorporated | 4.9 | 39 | Free Consultation | (416) 303-0313 | Visit |
| 7 | Byran Peters - Mortgage Broker Oshawa | 4.9 | 35 | Free Consultation | (289) 675-4390 | Visit |
| 8 | Tyler Cowle, AMPC - Mortgage Broker/Principal Broker | 5.0 | 30 | Free Consultation | (905) 440-5392 | Visit |
| 9 | Transparent Mortgages | 5.0 | 10 | Free Consultation | (905) 922-7448 | Visit |
| 10 | Atkins Mortgages | 5.0 | 1 | — | (647) 862-2160 | 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.