How much mortgage can I afford Canada 2026? GDS 39%, TDS 44%, stress test at 5.84%. Real income table: $100K income = ~$390-420K mortgage. Complete qualification guide with down payment rules.
Canada's mortgage stress test 2026 requires qualifying at your rate +2% or 5.25% — whichever is higher. Learn how GDS/TDS ratios work and proven strategies to qualify faster.