Lenders will happily approve you for more than you should borrow. The real affordability question isn't what a bank will give you — it's what payment fits your life after groceries, daycare, and the car.
Start with the rules lenders use (GDS, TDS, the stress test), then run your own salary through the calculators and the salary-by-salary pages below.
The 39/44 rule translated into real numbers.
Which account builds your down payment faster.
From credit check to closing day.
Why you're qualified at a higher rate than you'll pay.
The premium tiers when you put down less than 20%.
The bands lenders actually use.
When a co-signer changes the answer.
17 pages, $40k–$200k: the max mortgage each salary supports, with the math shown.
Your income, your debts, your real number.
Check your GDS and TDS before a lender does.
See if a co-signer gets you over the line.
Housing costs ÷ income, max 39%.
All debts ÷ income, max 44%.
The 300–900 number behind every approval.
The insurer's own affordability math.
Federal guidance on how much to borrow.
SimpleLoan is a free, independent information site. Nothing on this page is financial advice — confirm current rules with the official sources above before making a borrowing decision.