Alberta Mortgage Calculator

Step 1 · See what you may afford

Mortgage Affordability Calculator

Estimate your maximum home price using Alberta-relevant ratios, then send those numbers for a professional review.

See What I Can Afford

Estimates only · Not an approval · Alberta-focused

How to use this calculator

  1. Start with gross annual income and your monthly debt payments (car, cards, loans).
  2. Enter your saved down payment — zero down will show a disqualification, not a false max price.
  3. Property tax and heating feed GDS/TDS; use realistic local numbers for your target city.
  4. Review GDS %, TDS %, and which ratio limits your range on the results card.
  5. Optional: enter a comfortable payment to compare against total housing cost.

Your live estimate

Affordability Calculator

Planning estimate of the home price and mortgage your income may support — GDS/TDS at the federal stress-test rate, with CMHC premiums and minimum down payment rules.

Your live estimate

Estimated maximum home price

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Max mortgage — · Stress P&I —

Maximum mortgage (est.)
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Payment at your rate
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GDS ratio (max 39%)
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TDS ratio (max 44%)
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Limited by
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Adjust your numbers

Drag sliders or type amounts — your estimate above updates instantly.

Car loans, credit cards, lines of credit, student loans.

 

5.49%

Qualified at — (OSFI stress test).

25 years

Insured mortgage eligibility

This site is for education and planning only. Calculator results are estimates only and are not mortgage approvals, financial advice, or lender commitments. Always get professional advice before making financial decisions. Rates, payments, cashback, eligibility, qualification, and lender options are subject to lender approval, insurer rules, borrower qualification, property details, and applicable terms and conditions. Alberta Mortgage Calculator accepts no liability for decisions made from calculator estimates or general site content.

Review this price range with a local lender

Your income, debts, down payment, stress-test rate, and estimated max price are attached automatically for a local lender review.

How this works

  1. You adjusted the calculator above
  2. Your inputs and estimate are attached to this form automatically
  3. You add your contact info and a local lender reviews the scenario

Adjust the calculator above — then review these numbers with a local lender.

This site is for education and planning only. Calculator results are estimates only and are not mortgage approvals, financial advice, or lender commitments. Always get professional advice before making financial decisions. Rates, payments, cashback, eligibility, qualification, and lender options are subject to lender approval, insurer rules, borrower qualification, property details, and applicable terms and conditions. Alberta Mortgage Calculator accepts no liability for decisions made from calculator estimates or general site content.

Related tools

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Mortgage professional review

Send your scenario and a mortgage professional can review your numbers with you.

Estimates, not approvals

Calculators help you plan. Final rates and qualification depend on lender approval.

Fast follow-up

Send your scenario and a mortgage professional reviews your numbers promptly.

This site is for education and planning only. Calculator results are estimates only and are not mortgage approvals, financial advice, or lender commitments. Always get professional advice before making financial decisions. Rates, payments, cashback, eligibility, qualification, and lender options are subject to lender approval, insurer rules, borrower qualification, property details, and applicable terms and conditions. Alberta Mortgage Calculator accepts no liability for decisions made from calculator estimates or general site content.

Review My Numbers