Where these figures come from
The calculators on this site apply the Quebec rules in force: transfer duty brackets by municipality, CMHC insurance premiums based on the down payment, the legal minimum down payment, the GDS and TDS ratios Canadian lenders use, and the stress test rate. The calculation runs entirely in your browser: no amount you enter is sent anywhere or stored.
What a calculator cannot do
The result is an estimate, not a mortgage pre-approval, not a certified appraisal and not tax advice. A lender decides on your full credit file, your proof of income and the nature of the property. Scales and rates change during the year. Check any figure that matters with your lender, your notary or your accountant before committing. The limits of these tools are set out in the terms of use.