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Review Keywords Analysis

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

Mortgage Affordability Calculator Saskatoon, SK

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.

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 Saskatoon

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

1

Rishabh Sharma Mortgage Professional

Verified

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.

Services & Prices
Home Purchase Mortgage, Refinancing Mortgage, Mortgage Renewal)
View Profile
(647) 334-8405
Closed Now
2012 Pohorecky Crescent, Saskatoon, SK S7W 0V4, Canada
General Services
Mortgage Services
2

Riel Syrenne | Fresh Mortgage Co.

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.

Services & Prices
First-Time Home Buyer Assistance Free Consultation
Refinancing Options Free Consultation
View Profile
(306) 260-9918
Closed Now
2-2175 Airport Dr, Saskatoon, SK S7L 7E1, Canada
General Services
Mortgage Services
3

Shawna MacDonald Saskatoon Mortgage Broker

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.

Services & Prices
Home Purchase Mortgage Free Consultation
Mortgage Renewal Free Consultation
Refinancing Free Consultation
View Profile
(306) 384-6353
Closed Now
211 Idylwyld Dr N, Saskatoon, SK S7L 6V6, Canada
General Services
Mortgage Services
4

Mint Mortgage

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.

Services & Prices
Fixed-Rate Mortgages Free Consultation
Variable-Rate Mortgages Free Consultation
First-Time Homebuyer Programs Free Consultation
Rate Reduction Refinancing Free Consultation
View Profile
(888) 244-6059
Closed Now
506B Queen St,Saskatoon, SK S7K 0M5
General Services
Home Financing
5

Your Mortgage Now

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.

Services & Prices
Mortgage Pre-Approval Free Consultation
Fixed Rate Mortgage Free Consultation
Variable Rate Mortgage Free Consultation
Rate Reduction Refinance Free Consultation
View Profile
(306) 244-7755
Closed Now
836 3rd Ave N, Saskatoon, SK S7K 2K2, Canada
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

Audra Kish - mortgage associate

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.

Services & Prices
Mortgage Pre-Approval Free Consultation
Mortgage Refinancing Free Consultation
View Profile
(306) 290-8083
Closed Now
Financial Building, 230 22 St E, Saskatoon, SK S7K 0E9, Canada
General Services
Mortgage Services
7

Mortgage Intelligence - Lisa Helfrick

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.

Services & Prices
First-Time Home Buyer Assistance Free Consultation
Mortgage Renewal Assistance Free Consultation
View Profile
(306) 373-0003
Closed Now
502 Cope Way #102, Saskatoon, SK S7T 0G3, Canada
General Services
Mortgage Services
8

Mike Hidlebaugh - Mortgage Associate

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.

Services & Prices
New Mortgage Application Free Consultation
Mortgage Refinance Free Consultation
Mortgage Renewal Free Consultation
Custom Loan Solutions Free Consultation
View Profile
(306) 276-7605
Open 00:00 - 23:59
517 4th Ave N, Saskatoon, SK S7K 2M5, Canada
General Services
Mortgage Services
9

Saskatoon Mortgage Broker: Dave Oliver Accredited Mortgage Professional, AMP

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.

Services & Prices
Home Purchase Mortgages Free Consultation
Mortgage Renewals Free Consultation
Commercial Mortgages Free Consultation
View Profile
(306) 227-7367
Closed Now
506 Queen St #100, Saskatoon, SK S7K 0M5, Canada
General Services
Mortgage Brokerage
10

Deb Murdoch - Saskatoon Mortgage Broker TMG

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.

Services & Prices
Mortgage Refinance Assistance Free Consultation
View Profile
(306) 222-7900
Closed Now
506 Queen St, Saskatoon, SK S7K 0M5, Canada
General Services
Mortgage Services
Saskatoon Mortgage Brokers stats: 10 businesses compared side by side · updated
# 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

How this Saskatoon 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%.

Saskatchewan 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 1% of the home's value a year (Saskatoon, 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.