How much mortgage can you afford in BC? This affordability calculator applies the real stress test, GDS/TDS caps, and insurance rules to give you an honest maximum, and shows what would raise it.
Frequently asked questions
How much mortgage can I afford in BC?
Lenders cap housing costs at 39% of gross income (GDS) and all debts at 44% (TDS), tested at the stress-test rate. This calculator applies both caps plus insurance rules to give you an honest ceiling.
What is the stress test in 2026?
You qualify at the greater of your contract rate plus 2% and the 5.25% floor. Since January 2026, straight lender switches at renewal no longer re-take the test.
What would raise my maximum?
Paying down debts helps most: a $500 monthly car payment costs roughly $70,000 to $90,000 of mortgage room. More down payment, a longer amortization, or added income all move the ceiling too.