How much house can you afford in Richmond Hill? 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 |
|---|
360Lending
4.9 · 853 reviews · Free pre-approval
Get pre-approved →
Chris Bargis
5.0 · 198 reviews · Free pre-approval
Get pre-approved →
CIBC Mortgage Advisor: Shadi Jafarian
5.0 · 154 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 →
Known for its fully digital, transparent approach, 360Lending specializes in home equity loans, HELOCs, and mortgage refinancing. The team offers tools to help clients compare options and understand costs upfront, aiming to simplify financial decisions. Clients appreciate the clear communication and patient guidance, though some caution about risks with second mortgages today.
Known for a client-focused approach that prioritizes borrower needs over banks, the team at Chris Bargis offers tailored mortgage solutions for first-time buyers, self-employed individuals, and investors. They guide clients through everything from pre-approval to complex financing, with clear communication and patient support that helps make the mortgage process more manageable.
CIBC Mortgages offers personalized mortgage advice with a focus on flexibility and inclusivity, including support for newcomers and multilingual services. The team assists with a range of needs, from first-time home purchases to investment properties and mortgage transfers. Clients appreciate the knowledgeable, patient guidance and responsive communication throughout the process.
Ejaz Alidina specializes in creating mortgage plans that address individual financial needs with patience and clear communication. The team offers services including reverse mortgages and personalized loan solutions, consistently providing supportive guidance throughout the process. Customers appreciate their understanding approach and willingness to answer questions thoroughly.
With over a decade of experience and access to more than 170 lenders, Benson Mortgages offers a wide range of mortgage solutions, including private lending, refinancing, and financing for first-time buyers and investors. Clients often highlight the team’s fast approvals and clear communication, though some note occasional delays and credit checks without prior notice.
Licensed across multiple provinces, this mortgage professional specializes in residential and commercial financing, including tailored solutions for first-time buyers and refinancing. The team offers services such as purchase mortgages, renewals, reverse mortgages, and private lending, with clients appreciating clear explanations and responsive support throughout the process.
About Canadian Financial SolutionsCanadian Financial Solutions is a company dedicated to providing a wide array of financial tools and services to Canadians, specializing in hard-to-place financing, debt consolidation, and credit rebuilding. They pride themselves on a strong team of committed, well-educated, experienced, and motivated Financial Specialists. Their primary objective is to guide… more...
About Canadian Financial SolutionsCanadian Financial Solutions is a company dedicated to providing a wide array of financial tools and services to Canadians, specializing in hard-to-place financing, debt consolidation, and credit rebuilding. They pride themselves on a strong team of committed, well-educated, experienced, and motivated Financial Specialists. Their primary objective is to guide clients, regardless of their starting financial situation, towards achieving their short-term and long-term goals. They aim to create a personalized blueprint of easy-to-follow steps and offer continuous support throughout the process. The company serves Canadians from all walks of life across the country.Credentials & ExpertiseCanadian Financial Solutions is recognized for its team of committed, well-educated, experienced, and motivated Financial Specialists. They focus on guiding clients to achieve their financial goals by understanding their needs and creating tailored plans. The company emphasizes standing by clients throughout the process, ensuring their best interests are prioritized. Their expertise lies in navigating complex financial situations, offering competitive rates, and demonstrating competence in their services.Services OfferedCanadian Financial Solutions offers a comprehensive suite of mortgage and financial services. These include Second Mortgages, allowing clients to borrow against their home equity for purchases or debt consolidation. They provide Debt Solutions through a system that consolidates unsecured debts into a single, low-cost monthly payment. Credit Solutions are available to help individuals with little or no credit establish a better financial standing. Additionally, they offer Home Equity Loans for flexible borrowing, assistance with Power of Sale & Foreclosure situations, and opportunities for private mortgage investments. They also provide guidance on increasing home value through renovations and explain bad credit mortgages.Unique AdvantagesCanadian Financial Solutions distinguishes itself by focusing on hard-to-place financing that banks often reject. They offer a wide assortment of financial tools and a dedicated team of specialists committed to client success. The company emphasizes a personalized approach, creating tailored plans and providing ongoing support. They are known for their ability to help clients achieve their goals, even in challenging financial circumstances, and are proud to serve Canadians nationwide.
Known for clear communication and availability, this mortgage broker guides clients through every step of the home financing process with patience and professionalism. The team offers personalized mortgage solutions and is praised for making first-time borrowers feel comfortable and informed. Some clients note the process can take time, but appreciate the thorough support throughout.
Known for a client-first approach and clear communication, Nick Bargis Mortgages helps make the mortgage process straightforward and manageable. The team assists with home purchases by explaining options and staying available even after closing. Some delays on the bank’s side have been noted, but responsiveness remains a strong point.
Mortgage Agent Frankie Ho Richmond Hill specializes in providing clear, pressure-free mortgage advice with a focus on transparency and responsiveness. The team assists with mortgage approvals and securing competitive interest rates, often praised for thorough communication and quick replies. Some clients note the fast pace may feel brisk but appreciate the efficiency.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | 360Lending | 4.9 | 853 | Free Consultation | (888) 794-1464 | Visit |
| 2 | Chris Bargis | 5.0 | 198 | Free Consultation | (647) 883-9366 | Visit |
| 3 | CIBC Mortgage Advisor: Shadi Jafarian | 5.0 | 154 | Free Consultation | (416) 953-9385 | Visit |
| 4 | Ejaz Alidina - Mortgage Broker | 5.0 | 126 | — | (289) 452-0926 | — |
| 5 | BENSON MORTGAGES | 4.8 | 127 | Free Consultation | (647) 277-3950 | Visit |
| 6 | George Samson - Mortgage Professional | 5.0 | 115 | Free Consultation | (888) 604-0506 | Visit |
| 7 | Al Sager - Canadian Financial Solutions Inc. (CFS) | 4.7 | 107 | — | (888) 704-1255 | Visit |
| 8 | Michael | 5.0 | 85 | Free Consultation | (416) 358-4511 | Visit |
| 9 | Nick Bargis Mortgages | 5.0 | 84 | Free Consultation | (416) 910-8037 | Visit |
| 10 | Mortgage Agent Frankie Ho Richmond Hill | 5.0 | 44 | Free Consultation | (647) 982-0130 | — |
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.