Borrower screening workspace

Calculate capacity. Find the right lender lane.

Estimate GDS, TDS and maximum mortgage, then see which qualification path the scenario may fit.

Borrower & property

Use documentable qualifying income before tax.

Qualifying income

Applicant annual income$Gross income, not take-home payCo-applicant annual income$Other annual income$Only stable, documentable incomeMonthly rental income$

Income profile

Rental income used%Simplified add-back assumption

Mortgage request

Purchase price$Down payment$Enter the available down payment

Requested mortgage$0Purchase price minus down payment

Contract interest rate%Amortizationyrs

Purpose

Occupancy

Province

Housing costs & debts

Annual property taxes$Monthly heating$Monthly condo fees$50% included in ratio calculationCredit card balance$3% used if stated payment is lowerCard minimum payment$Car / instalment payments$Line of credit payment$Other monthly obligations$

Credit & age

Credit scoreYoungest borrower ageyrsUsed only for reverse-mortgage screening

Transparent underwriting math

What the estimate includes

The calculation uses the Canadian mortgage convention for monthly payments, qualifies at the higher of contract rate + 2% or 5.25%, includes property taxes and heat, uses 50% of condo fees, and applies the greater of the entered minimum payment or 3% of a credit-card balance. For self-employed applicants, the selected route uses either tax income, owner salary plus an ownership-adjusted share of corporate net income, or supported business cash flow capped at the requested stated income.

GDS(payment + tax + heat + 50% condo) ÷ gross income

TDS(GDS costs + monthly debts) ÷ gross income

Baseline sources

Policy foundation

CMHC - Calculating GDS/TDS39% GDS / 44% TDS, PITH, 50% of condo fees, and debt treatment.OSFI - Minimum qualifying rateHigher of contract rate + 2% or 5.25% for most new uninsured mortgages.FSRA - Mortgage application processExplains broker affordability calculations and why ratios are guidelines, not approvals.Sagen - Business for Self Alt-AStated-income insured screening: 90% maximum LTV, two years in business and 39/44 ratios.Canada Guaranty - Low Doc AdvantageAlternative documentation for established self-employed borrowers, up to 90% LTV on purchases.Equitable Bank - Business for SelfBank-statement or financial-statement BFS path, up to 80% LTV with alternative ratios.

This is a screening and scenario-planning tool, not a mortgage approval, suitability determination, commitment, or promise of funding. Lenders can change policies without notice and may apply lower limits, exceptions, insurer rules, property restrictions, income adjustments, liquidity tests, sliding scales, and document requirements. Rates, fees, rental offsets, mortgage-insurance premiums and provincial tax on premiums are not included in the maximum-mortgage estimate. Verify every recommendation against the current lender portal, rate sheet, underwriter or BDM before advising a borrower or submitting a file.