§ Calculator · Housing
Max mortgage · flexible GDS / TDS
What this is
What can you borrow if you push past CMHC's standard 39 / 44 ratio caps?
CMHC-insured loans cap at GDS 39% and TDS 44%. Non-insured (uninsurable, 20%+ down) lenders sometimes allow GDS up to 44% and TDS to 50%. This calculator lets you slide both ceilings to see how the borrowing envelope changes.
Max mortgage
$639,544
Max monthly payment
$3,900
Binding ratio
GDS
Pushing the ratios up moves more of your income into housing — leaves less for everything else. Just because a lender will let you borrow at 44/50 doesn't mean you should.
Disclaimer
Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting.