How much house can you afford in Vaughan? 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 |
|---|
Nuborrow - Mortgage Broker
4.8 · 2154 reviews · Free pre-approval
Get pre-approved →
ModernMortgage.ca
5.0 · 401 reviews · Free pre-approval
Get pre-approved →
Online Mortgage
5.0 · 130 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 →
Nuborrow offers a fully digital mortgage experience designed for speed and convenience, with applications completed in minutes and secure online document handling. They provide a range of mortgage options, including refinancing and home equity products, and clients appreciate clear communication and helpful guidance throughout the process. Some mention a desire for more upfront details on… more...
Nuborrow offers a fully digital mortgage experience designed for speed and convenience, with applications completed in minutes and secure online document handling. They provide a range of mortgage options, including refinancing and home equity products, and clients appreciate clear communication and helpful guidance throughout the process. Some mention a desire for more upfront details on additional charges.
Known for providing honest, objective mortgage advice, ModernMortgage.ca helps clients understand the full cost of borrowing beyond just interest rates. They assist with purchasing, refinancing, equity take-outs, and renewals, often guiding first-time buyers and newcomers through complex financial situations. Customers appreciate their thoroughness and responsive support throughout the process.
With dual credentials as a CPA and Accredited Mortgage Professional, this broker offers a blend of financial expertise and mortgage knowledge. Serving homeowners across Canada, the team assists with purchases, refinancing, renovations, and debt consolidation by comparing options from over forty lenders. Clients appreciate clear communication and responsive support throughout the process.
Known for their attentive and patient approach, Lino Contento Mortgages supports clients through every step of the homebuying process. The team specializes in securing competitive mortgage rates and offers clear guidance, helping buyers understand their options. While occasional challenges arise, they respond quickly and work diligently to find solutions.
Brian Smith Mortgages specializes in guiding clients through buying, renewing, and refinancing mortgages with personalized strategies and clear advice. The team offers free consultations and a Mortgage Planner App to help manage mortgage decisions. Customers appreciate their professionalism, patience, and ongoing support throughout the process.
With two decades of experience, Main Street Mortgages focuses on securing competitive mortgage rates by working with multiple lenders. Their team offers flexible mortgage solutions for first-time buyers, debt elimination, self-employed clients, and real estate investors. Customers appreciate their knowledgeable, patient approach and personalized service throughout the process.
Specializing in complex mortgage files, especially for self-employed clients, this brokerage offers access to over 30 lenders, expanding financing options beyond traditional banks. Their services include first-time homebuyer assistance, refinancing, and investment property mortgages, supported by Ontario-specific tools and responsive communication. Clients appreciate the clear explanations and… more...
Specializing in complex mortgage files, especially for self-employed clients, this brokerage offers access to over 30 lenders, expanding financing options beyond traditional banks. Their services include first-time homebuyer assistance, refinancing, and investment property mortgages, supported by Ontario-specific tools and responsive communication. Clients appreciate the clear explanations and steady guidance throughout the process.
Known for clear communication and a patient, personalized approach, the agents at Oriana Financial Group of Canada Ltd. help clients navigate mortgage options with confidence. They assist with a variety of lending needs, guiding borrowers through each step and responding promptly to questions. Customers appreciate the team’s thoroughness and ability to simplify what can be a complex process.
Miracle Financial specializes in personalized mortgage solutions that go beyond standard bank offerings, focusing on complex situations like self-employment and credit challenges. They provide services including first and second mortgages, refinancing, and debt consolidation, with clients appreciating their clear communication and patient guidance throughout the process.
Known for clear communication and a patient approach, the Adrian Perry Mortgage Broker Team specializes in guiding first-time homebuyers through the mortgage process. They assist with approvals and coordinate with realtors and lawyers to ease the experience. Clients appreciate their accessibility and thoroughness, though some note the process can still feel lengthy.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Nuborrow - Mortgage Broker | 4.8 | 2154 | Free Consultation | (888) 372-5588 | Visit |
| 2 | ModernMortgage.ca | 5.0 | 401 | Free Consultation | (416) 824-9060 | Visit |
| 3 | Online Mortgage | 5.0 | 130 | — | (416) 704-3310 | Visit |
| 4 | Lino Contento Mortgages | 4.9 | 120 | Free Consultation | (905) 553-3270 | Visit |
| 5 | Brian Smith Mortgages | 5.0 | 114 | Free Consultation | (647) 302-5198 | Visit |
| 6 | Mortgage Alliance - Main Street Mortgages - Mortgage Broker Vaughan | 5.0 | 71 | — | (905) 235-3396 | Visit |
| 7 | Ahmet Dogan - Mortgage Agent Lv 2 | 5.0 | 58 | Free Consultation | (647) 952-1500 | Visit |
| 8 | Stephanie Hartery, Mortgage Agent, Oriana Financial Group of Canada Ltd. #10214 | 5.0 | 26 | Free Consultation | (647) 208-0115 | Visit |
| 9 | Miracle Financial - Mortgage Brokerage | 5.0 | 19 | $30 | (905) 588-4242 | Visit |
| 10 | The Adrian Perry Mortgage Broker Team | 5.0 | 18 | Free Consultation | (416) 990-9499 | 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.