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Review Keywords Analysis

  1. Canada
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Ontario
  4. Windsor
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Windsor, ON

How much house can you afford in Windsor? 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.

Property tax and rules are for this province.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Windsor

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Linden Crain – Mortgage Broker | Windsor–Essex

Known for clear communication and responsive support, Linden Crain Mortgage Broker helps clients navigate the mortgage process with knowledgeable guidance. The team offers professional service that many find reassuring and efficient, with quick answers and consistent updates. Some clients note the broker’s availability beyond regular hours as a helpful touch.

Services & Prices
Debt Consolidation Options Free Consultation
Credit Score Analysis $100 - $300
Credit Report Review $50 - $150
View Profile
(226) 787-4745
Open 00:00 - 23:59
4510 Rhodes Dr 430 1, Windsor, ON N8W 5K5, Canada
General Services
Refinancing Services
2

Mortgage Powered Financial Group, home of Mortgage Suite Inc.

Mortgage Powered Financial Group, home of Mortgage Suite Inc., is known for guiding clients through the mortgage process with clear communication and personalized support. Their team helps with a range of mortgage needs, often praised for professionalism and quick responses, though some clients have noted occasional delays in updates. Many appreciate the straightforward approach and honest advice… more...

Mortgage Powered Financial Group, home of Mortgage Suite Inc., is known for guiding clients through the mortgage process with clear communication and personalized support. Their team helps with a range of mortgage needs, often praised for professionalism and quick responses, though some clients have noted occasional delays in updates. Many appreciate the straightforward approach and honest advice throughout.

Services & Prices
First-Time Home Buyer Assistance Free Consultation
Refinancing Assistance Free Consultation
View Profile
(519) 419-3825
Closed Now
4510 Rhodes Dr Unit 410, Windsor, ON N8W 5K5, Canada
General Services
Mortgage Services
3

Mortgage Intelligence - Rasha Ingratta & Associates

With two decades of experience, Mortgage Intelligence - Rasha Ingratta & Associates specializes in guiding clients through purchases, refinancing, and mortgage renewals with personalized support. The team assists a wide range of clients, including first-time buyers and self-employed individuals, and is often noted for clear communication and making complex processes easier to understand.

Services & Prices
Mortgage Financing Free Consultation
Mortgage Refinancing Free Consultation
View Profile
(519) 250-4848
Closed Now
3385 Dougall Ave #200, Windsor, ON N9E 1S8, Canada
General Services
Mortgage Services
4

True North Mortgage

True North Mortgage focuses on helping clients secure favorable mortgage terms, including refinancing and first-time home purchases. The team guides customers through each step with clear communication and responsiveness, though a few note the process can feel a bit fast-paced. Many appreciate the personal attention and support throughout.

Services & Prices
First-Time Homebuyer Assistance Free Consultation
Mortgage Switching Free Consultation
View Profile
(877) 244-0834
Closed Now
3200 Deziel Dr #408, Windsor, ON N8W 5A5, Canada
General Services
Mortgage Services
5

Lorika Yousif | Pineapple Financial #12830

Known for a patient and supportive approach, this mortgage broker helps clients navigate the home-buying process with care and professionalism. The team offers guidance and personalized service aimed at making financing smoother, with many clients appreciating their clear communication and dedication throughout challenging situations.

Services & Prices
Pre-Approval Services Free Consultation
View Profile
(519) 982-1464
Open 00:00 - 23:59
3147 Tecumseh Rd E, Windsor, ON N8W 1G9, Canada
General Services
Mortgage Brokerage
Where they are 10 on the map Click a pin for the profile and directions
6

LendCity

LendCity specializes in mortgage financing tailored specifically for real estate investors across Canada, the U.S., and Mexico. They offer a range of products including DSCR loans, commercial mortgages, and private lending, with agents who are also active investors themselves. Customers appreciate their knowledgeable, responsive team, though some note the process can be complex depending on the… more...

LendCity specializes in mortgage financing tailored specifically for real estate investors across Canada, the U.S., and Mexico. They offer a range of products including DSCR loans, commercial mortgages, and private lending, with agents who are also active investors themselves. Customers appreciate their knowledgeable, responsive team, though some note the process can be complex depending on the deal.

Services & Prices
First-Time Homebuyer Assistance Free Consultation
Mortgage Refinancing Free Consultation
Pre-Approval Process Free Consultation
View Profile
(226) 783-1640
Closed Now
4769 Wyandotte St E, Windsor, ON N8Y 1H8, Canada
General Services
Mortgage Services
7

Super Mortgage Team

Super Mortgage Team specializes in handling complex and time-sensitive mortgage situations, often stepping in when other brokers face challenges. They offer services including home purchases, refinancing, and mortgage renewals, with a focus on clear communication and personalized support. Clients appreciate their responsiveness and dedication, though some note the process can be intense when… more...

Super Mortgage Team specializes in handling complex and time-sensitive mortgage situations, often stepping in when other brokers face challenges. They offer services including home purchases, refinancing, and mortgage renewals, with a focus on clear communication and personalized support. Clients appreciate their responsiveness and dedication, though some note the process can be intense when deadlines are tight.

Services & Prices
HomePurchaseMortgage Free Consultation
MortgageRefinance Free Consultation
MortgageRestructuring Free Consultation
ComplicatedMortgageSituations Free Consultation
View Profile
(519) 966-2124
Closed Now
4510 Rhodes Dr Unit 430.1, Windsor, ON N8W 5K5, Canada
General Services
MortgageBrokerage
8

Abe Kobrosli

Known for prioritizing clients’ best interests over profit, this mortgage broker offers personalized guidance throughout the home financing process. The team handles mortgage renewals, new lending, and tailored solutions, responding quickly and working around clients’ schedules. Customers appreciate clear communication and a straightforward, supportive experience.

Services & Prices
Mortgage Renewal Free Consultation
New Mortgage Application Free Consultation
View Profile
Open 00:00 - 23:59
2669 Howard Ave, Windsor, ON N8X 3X1, Canada
General Services
Mortgage Services
9

Sean Santoro, Mortgage Agent at TMG The Mortgage Group

With over 15 years in financial services, this mortgage team offers personalized mortgage plans and access to a broad network of lenders. They assist with purchases, renewals, and refinancing, focusing on clear communication and responsiveness. Clients appreciate the guidance through complex processes, especially first-time buyers seeking tailored solutions.

Services & Prices
First-time Homebuyer Assistance Free Consultation
Mortgage Rate Comparison Free Consultation
View Profile
(519) 551-5804
Closed Now
967 Church St, Windsor, ON N9A 4V1, Canada
General Services
Mortgage Services
10

Mortgage Intelligence - Sarah Carter

Known for working with a wide network of over 50 lenders, Mortgage Intelligence - Sarah Carter offers mortgage solutions for first-time buyers, investors, newcomers, and those refinancing or renovating. Clients appreciate the clear explanations and smooth process, noting the team’s realistic approach and attention to individual needs.

Services & Prices
Mortgage Renewal Free Consultation
New Mortgage Application Free Consultation
View Profile
(519) 962-3012
Closed Now
6, 2557 Dougall Ave Suite 309, Windsor, ON N8X 1T5, Canada
General Services
Mortgage Services
Windsor Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Linden Crain – Mortgage Broker | Windsor–Essex 5.0 351 $50 (226) 787-4745 Visit
2 Mortgage Powered Financial Group, home of Mortgage Suite Inc. 4.9 322 Free Consultation (519) 419-3825 Visit
3 Mortgage Intelligence - Rasha Ingratta & Associates 4.9 283 Free Consultation (519) 250-4848 Visit
4 True North Mortgage 4.9 191 Free Consultation (877) 244-0834 Visit
5 Lorika Yousif | Pineapple Financial #12830 5.0 127 Free Consultation (519) 982-1464 Visit
6 LendCity 4.7 130 Free Consultation (226) 783-1640 Visit
7 Super Mortgage Team 5.0 82 Free Consultation (519) 966-2124 Visit
8 Abe Kobrosli 5.0 59 Free Consultation — —
9 Sean Santoro, Mortgage Agent at TMG The Mortgage Group 5.0 57 Free Consultation (519) 551-5804 Visit
10 Mortgage Intelligence - Sarah Carter 5.0 51 Free Consultation (519) 962-3012 Visit

How this Windsor mortgage affordability calculator works

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%.

Ontario rules and numbers this calculator uses

Stress test
You must qualify at the higher of your rate plus 2% or 5.25% (OSFI and federal insured-mortgage rules).
Debt limits
Housing costs up to 39% of gross income (GDS) and all debts up to 44% (TDS), the CMHC maximums. CMHC also needs a credit score of at least 600.
Minimum down payment
5% of the first $500,000 and 10% of the part above it. Homes priced at $1.5 million or more need 20% down and cannot be insured.
Mortgage insurance
Under 20% down, a CMHC premium is added to the loan: 2.80% of the loan at 15–19.99% down, 3.10% at 10–14.99% and 4.00% at 5–9.99%, plus 0.20% for a 30-year amortization.
Amortization
First-time buyers and buyers of new builds can take 30 years on an insured mortgage; others are tested at 25 years.
Property tax
About 0.85% of the home's value a year (Ontario average, 2025), plus $100 a month for heating.
Rate
Starts at 4.49% (a typical 5-year fixed, October 2026). Change it to the rate you have been offered.

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.

Frequently asked questions

8 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can afford based on income, debts, down payment, and interest rate, considering CMHC limits and stress tests.
What is the mortgage stress test in Ontario?
You must qualify at the higher of your contract rate plus 2% or 5.25%, ensuring you can handle potential rate increases.
How much house can I afford on a $100k salary in Windsor?
Your affordability depends on your debts, down payment, and interest rate. Use our calculator for an estimate; a pre-approval gives a confirmed amount.
What are GDS and TDS ratios?
GDS is housing costs up to 39% of income; TDS includes all debts up to 44%, both at the qualifying rate.
Can first-time buyers get a 30-year mortgage?
Yes, first-time buyers and those purchasing newly built homes can opt for a 30-year amortization on an insured mortgage.
How do debts affect mortgage qualification?
Higher debts reduce the mortgage amount you can qualify for, as they increase your TDS ratio.
What is the property tax rate in Windsor, Ontario?
Property tax is about 0.85% of the home's value annually, based on 2025 municipal rates.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval confirms your borrowing capacity after verifying income, debts, and credit; pre-qualification is an initial estimate.

General information, not financial advice — consult a qualified professional.