EossInvestments.com

GTA Home Affordability
Calculator

Find your real comfort zone — not just what the bank approves. Built for 2026 GTA buyers.

First-Time Buyer rules: With an insured mortgage (under 20% down), you qualify for a 30-year amortization on homes up to $1.5M — reducing your monthly payment vs. the standard 25 years. CMHC insurance applies if down payment is under 20%.
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Your Numbers

We'll find your comfort zone
30-year amortization is available to first-time buyers with insured mortgages (under 20% down) on homes up to $1.5M.
Avg GTA: $400–$700/mo depending on city
🏘 Rental Income (Optional)
How rental income affects affordability: Lenders typically count 50–80% of rental income toward your qualifying income. This can meaningfully increase your max purchase price. A legal secondary suite is the most impactful.
Uses OSFI stress test: qualifying rate = contract rate (5.5%) + 2% = 7.5%. GDS ≤ 39%, TDS ≤ 44%. 50% of rental income counted toward qualifying income.

Your Affordability

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Your comfort zone price, bank maximum, and full monthly breakdown will appear here.

Numbers look right?
Let's find your home.

Your affordability is the starting point. I'll help you find the right property in the right GTA neighbourhood at the right price.

Book Your Free 30-Min Strategy Call →

Gaurav Singh · EossInvestments.com · No obligation.

@eossbygaurav · @gauravsingh.realtor