How much house can you afford in Saskatoon? 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 |
|---|
Rishabh Sharma Mortgage ProfessionalVerified
5.0 · 63 reviews · Free pre-approval
Get pre-approved →
Riel Syrenne | Fresh Mortgage Co.
4.9 · 317 reviews · Free pre-approval
Get pre-approved →
Shawna MacDonald Saskatoon Mortgage Broker
5.0 · 100 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 clear, patient guidance especially with first-time homebuyers, this mortgage professional offers services including home purchases, refinancing, and renewals. The team is praised for honest advice, timely communication, and making the mortgage process straightforward, though some clients note responses can extend beyond regular hours.
Specializing in competitive mortgage rates, Fresh Mortgage Co. works directly for clients to simplify financing for purchases, renewals, refinancing, and investment properties. The team is known for clear communication, quick approvals, and patient guidance throughout the process. Some customers note occasional wait times but appreciate the professional and friendly support overall.
Accredited as a mortgage professional, this broker specializes in matching Saskatoon homeowners with the right lender from a wide network, offering no-fee mortgage searches. The team provides patient guidance through every step, with clients appreciating their responsiveness and creative problem-solving during complex purchases.
Known for treating every mortgage as a personal story rather than just a number, Mint Mortgage offers attentive guidance through home financing and refinancing. The team handles first-time homebuyer needs and complex situations with clear communication and quick responses, though some clients have experienced delays during more complicated transfers.
With over 20 years in the financial sector, Your Mortgage Now focuses on a client-centered approach that emphasizes clear communication and flexibility. The team helps with mortgage approvals by explaining options like variable versus fixed rates and works around clients’ schedules. Customers appreciate their responsiveness and thoroughness throughout the process.
This mortgage associate specializes in connecting clients with Canadian lenders to find mortgage options that fit their needs, emphasizing clear communication and support throughout the process. The team assists with everything from first-time home purchases to mortgage renewals, often praised for making complex steps simple and responding promptly to questions.
Holding the AMP designation, Mortgage Intelligence - Lisa Helfrick offers access to over 50 lenders, including credit unions and insurance companies, to find flexible mortgage options and competitive rates. The team assists with purchases, refinancing, and equity take-outs, with clients appreciating clear communication and a smooth, responsive process even in complex situations.
Known for working with many lenders to secure competitive rates and flexible mortgage options, this mortgage associate helps both first-time and long-term homeowners navigate the mortgage process. The team is praised for clear communication, thoroughness, and making complex steps easier to understand, though some clients note occasional delays with external lenders.
With over a decade of experience as an Accredited Mortgage Professional, this broker specializes in negotiating competitive mortgage terms—even when clients are already preapproved by their banks. The team offers guidance for various situations, including self-employed borrowers, and is known for thoroughness and clear communication throughout the process.
Known for personal involvement and clear guidance, this mortgage broker helps clients feel confident throughout the home-buying process. The team offers residential and commercial mortgage services, providing valuable advice and timely solutions. Customers appreciate the patient communication and responsiveness, though some note the process can require patience.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Rishabh Sharma Mortgage Professional | 5.0 | 63 | — | (647) 334-8405 | Visit |
| 2 | Riel Syrenne | Fresh Mortgage Co. | 4.9 | 317 | Free Consultation | (306) 260-9918 | Visit |
| 3 | Shawna MacDonald Saskatoon Mortgage Broker | 5.0 | 100 | Free Consultation | (306) 384-6353 | Visit |
| 4 | Mint Mortgage | 5.0 | 100 | Free Consultation | (888) 244-6059 | Visit |
| 5 | Your Mortgage Now | 4.9 | 84 | Free Consultation | (306) 244-7755 | Visit |
| 6 | Audra Kish - mortgage associate | 5.0 | 72 | Free Consultation | (306) 290-8083 | Visit |
| 7 | Mortgage Intelligence - Lisa Helfrick | 5.0 | 62 | Free Consultation | (306) 373-0003 | Visit |
| 8 | Mike Hidlebaugh - Mortgage Associate | 5.0 | 37 | Free Consultation | (306) 276-7605 | Visit |
| 9 | Saskatoon Mortgage Broker: Dave Oliver Accredited Mortgage Professional, AMP | 5.0 | 32 | Free Consultation | (306) 227-7367 | Visit |
| 10 | Deb Murdoch - Saskatoon Mortgage Broker TMG | 5.0 | 30 | Free Consultation | (306) 222-7900 | 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.