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Mortgage Squad Advisors
Qualification simulatorFree · no credit pull

Will you qualify — and which lenders will approve you?

Build a scenario and see your real qualification instantly: maximum mortgage, GDS/TDS, the stress-test rate, CMHC, and the lenders in our 100+ network that typically fit. Try it with sample profiles below — then log in to run your own.

Live demo · sample profiles
Numbers are illustrative — log in to run yours
Likely qualifies — A-lender
Max purchase price
$734,111
Max mortgage
$659,111
Stress rate
6.49%
LTV
90%
GDS
37.7%
TDS
42.4%
CMHC
$20,925
  • CMHC insurance required (90% LTV); premium ≈ $20,925.
Lenders that typically fit
RBC Royal Bank logoRBC Royal BankBig-6 bankTD Canada Trust logoTD Canada TrustBig-6 bankScotiabank logoScotiabankBig-6 bankBMO Bank of Montreal logoBMO Bank of MontrealBig-6 bankCIBC logoCIBCBig-6 bankNational Bank of Canada logoNational Bank of CanadaBig-6 bank
This is a sample. Log in to run your real numbers, save scenarios, and get matched live.
Run my scenario Ask Maya

How it works

1. Build your scenario

Pick buy / refinance / renew / HELOC and enter price, down payment, income, debts, credit and rate. Or load a sample profile.

2. See your result

Instantly get your max mortgage, GDS/TDS, stress-test rate, LTV and CMHC — the same math an underwriter runs.

3. Match to lenders

See which of our 100+ lenders typically approve a file like yours. Log in to run your real numbers, then an advisor confirms it.

What the simulator checks

GDS / TDS ratios

Shelter and total-debt as a share of your income, against insurer limits (39% / 44%).

Stress test

Qualifies you at the greater of your rate + 2% or 5.25%, per B-20.

LTV + CMHC

Loan-to-value and the insurance premium when you're under 20% down.

Lender fit

Which lenders' guidelines match your profile — A, alt-A, or B.

Qualification simulator — FAQ

How does the qualification simulator work?
Enter your scenario — price or home value, down payment, income, debts, credit score and rate — and the simulator runs the same B-20 math a lender's underwriter uses: your GDS/TDS ratios, the stress-test qualifying rate (the greater of your rate + 2% or 5.25%), your loan-to-value, CMHC insurance, and your maximum mortgage. It then matches you to the lenders in our 100+ network whose guidelines typically fit your profile.
Is this a real approval?
No — it's an instant estimate to show you where you stand and who's likely to lend. A real approval depends on documents (income, down payment, credit) reviewed by a licensed advisor. The demo here uses sample numbers; log in to run your own file, then a broker confirms it.
Why do I need to log in to run my own scenario?
The public demo lets you explore with sample profiles. Logging in lets you save your real scenarios, run them privately, and have a licensed advisor pick them up — your numbers stay on your file, not in a public tool.
Which lenders does it check?
Our network spans 100+ lenders — the Big-6 banks, monoline A-lenders, credit unions, and alt-A / B-lenders for tougher files (self-employed, bruised credit, new to Canada). The simulator surfaces the ones whose published strengths match your scenario, and an advisor confirms the exact fit.
What's the stress test and why does it lower my number?
Federal B-20 rules require lenders to qualify you at the greater of your contract rate + 2% or 5.25% — not the rate you'll actually pay. It's a buffer in case rates rise. The simulator shows both your real payment and the qualifying payment so you can see the gap.
Does using this affect my credit score?
No. Nothing here pulls your credit — you type in your own estimate of your score. A formal credit check only happens later, with your consent, when you start a real application.

Run your real numbers in private.

Log in to save scenarios and run your actual file, or talk to a licensed advisor who confirms exactly which lender approves you — and at what rate.