How much house can you afford in Toronto? 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 |
|---|
Paul Meredith TeamVerified
5.0 · 100 reviews · Free pre-approval
Get pre-approved →
Diverse Mortgage GroupVerified
1.0 · 1 reviews · Free pre-approval
Get pre-approved →
MonsterMortgage.ca
4.8 · 336 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 their clear communication and fast responses, the Paul Meredith Team helps clients navigate mortgages with confidence. They offer mortgage approvals, renewals, and tailored advice, often guiding first-time buyers through the process. Clients appreciate their professionalism and straightforward approach, though some note minor delays when resolving lender issues.
Experience the best mortgage solutions in Canada with Diverse Mortgage Group. Whether you're looking for a residential or commercial mortgage, our expert mortgage brokers offer trusted, personalized services designed to help you achieve your financial goals.
With over 25 years of experience helping Canadians navigate mortgages beyond what banks typically share, MonsterMortgage.ca offers guidance on home purchases, refinancing, and HELOCs. Customers appreciate the team’s transparency, clear explanations, and willingness to answer questions throughout sometimes lengthy processes.
Known for its in-house mortgage brokerage integrated with a comprehensive online comparison platform, Ratehub.ca offers tools and advice for mortgages, insurance, and banking products. Customers appreciate the team’s responsiveness and clear guidance throughout sometimes complex processes, though switching lenders can still be a bit challenging.
Tridac Mortgage has been guiding Canadian borrowers through mortgage decisions since 1977, focusing on long-term relationships and customized lending solutions. The team assists with home purchases, refinancing, and debt reduction, earning praise for clear communication, patience, and professionalism. Some clients note the process requires patience, but many appreciate the steady support… more...
Tridac Mortgage has been guiding Canadian borrowers through mortgage decisions since 1977, focusing on long-term relationships and customized lending solutions. The team assists with home purchases, refinancing, and debt reduction, earning praise for clear communication, patience, and professionalism. Some clients note the process requires patience, but many appreciate the steady support throughout.
Mortgages.ca offers mortgage services focused on securing the best rates and terms while saving clients time and stress. The team assists with purchases and renovations, guiding clients through complex financing with clear communication and prompt responses. Some clients note occasional limitations with certain mortgage scenarios but appreciate the helpful referrals provided.
Mortgage for Less works with multiple lenders at once, allowing clients to explore a broad range of mortgage options without multiple credit checks that could affect their score. The team handles the entire home loan process online, including home renovation loans, and is known for clear explanations and responsive support throughout the process. Some customers note the experience can feel very… more...
Mortgage for Less works with multiple lenders at once, allowing clients to explore a broad range of mortgage options without multiple credit checks that could affect their score. The team handles the entire home loan process online, including home renovation loans, and is known for clear explanations and responsive support throughout the process. Some customers note the experience can feel very personalized, especially for first-time buyers.
True North Mortgage specializes in securing competitive mortgage rates for clients with good credit by working with multiple lenders and passing on volume discounts. Their team offers support online, in person, or by phone, guiding clients through the mortgage process with clear communication and thorough explanations. Some clients note occasional delays but appreciate the team's knowledge and… more...
True North Mortgage specializes in securing competitive mortgage rates for clients with good credit by working with multiple lenders and passing on volume discounts. Their team offers support online, in person, or by phone, guiding clients through the mortgage process with clear communication and thorough explanations. Some clients note occasional delays but appreciate the team's knowledge and responsiveness.
Citadel Mortgages focuses on educating clients about their mortgage options and strategies to reduce debt sooner. Their team assists with home purchases and refinancing through a comprehensive program designed to address various mortgage needs. Customers often highlight the agents’ professionalism and supportive guidance throughout the process.
Cannect specializes in providing low-interest home equity loans with flexible terms, regardless of credit score or income. Their team works closely with clients to avoid mortgage penalties and offers quick approvals through online or in-home services. Customers appreciate the transparent communication and support throughout the lending process.
Service Poor as a hell for getting help for private mortgage. No communication no service and basic w mortgage information. Horrible and still no results after 4 weeks. Good luck.
My experience with Cannect was exceptionally positive. I need to change lenders for several reasons. I connected with Joe Lorefice as the broker at Cannect who assumed me as a client. He was outstanding with respect to all my criteria. I wanted transparent and timely communication on this matter. He…
My name is Donna Schmidt and I am writing to bring attention to one of the online profiles of an agent employed at Citadel in Toronto - Amanda Swartz - #License#M23005267 My mother in law passed away at the end of November and my husband and I have decided that using the money to invest in propertie…
Very pleasant dealing with Nick earlier this afternoon. Even though my mortgage renewal wasn't a good fit this time around, he took the time to outline my options and advise me on various aspects. Very professional. Thanks Nick!
Kaunain was excellent throughout my whole morgage process. Quick to reply to any questions i had or help that i needed. I found he went above and beyond. Switching lenders is very frustrating and Kaunain helped make it a lot easier. Thankyou
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Paul Meredith Team | 5.0 | 100 | — | (647) 368-5009 | Visit |
| 2 | Diverse Mortgage Group | 1.0 | 1 | — | (437) 561-0374 | Visit |
| 3 | MonsterMortgage.ca | 4.8 | 336 | Free Consultation | (647) 560-2473 | Visit |
| 4 | Ratehub.ca | 5.0 | 106 | Free Consultation | (647) 427-7375 | Visit |
| 5 | Tridac Mortgage | 5.0 | 100 | Free Consultation | (416) 461-0204 | Visit |
| 6 | Mortgages.ca | 5.0 | 100 | Free Consultation | (647) 795-8700 | Visit |
| 7 | Mortgage for Less | 5.0 | 100 | Free Consultation | (416) 637-7769 | Visit |
| 8 | True North Mortgage | 4.9 | 100 | Free Consultation | (416) 504-8355 | Visit |
| 9 | Citadel Mortgages | 4.7 | 88 | Free Consultation | (866) 600-8762 | Visit |
| 10 | Cannect Home Equity Loans | 4.9 | 53 | Free Consultation | (416) 214-9000 | 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.