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Mortgage Affordability Calculator – How Much Can You Afford?
Several factors affect how much you can afford when purchasing a home. The most important are your gross household income, your down payment and the mortgage interest rate. Lenders will also consider your assets and liabilities. Your own lifestyle and debt comfort zone also come into play.
Use the Mortgage Affordability Calculator to estimate the maximum mortgage you can afford :
Mortgage Calculator
This calculation is based on two simple rules that lenders use. The first rule is that your monthly housing costs should not exceed 32% of your gross monthly household income. Housing costs include monthly mortgage payments, property taxes, heating costs, and condo fees (if a strata property).
Also, the general rule of thumb when calculating your monthly dent load is that it should not exceed 40% of your gross monthly income. This includes housing costs, and other debts such as car payments, loans, and credit cards.
