Are you ready for your mortgage?
Answer three questions and instantly get an estimate of your monthly mortgage budget, based on the same GDS/TDS ratios lenders use.
- lockNo data stored, the calculation stays on your device.
- verifiedBased on public CMHC thresholds (GDS 39%, TDS 44%).
- paymentsFree, no account required.
Essential topics
Master the pillars of your mortgage approval with our free guides.
Your credit score
See how your score (300–900) affects your rate and how to improve it quickly with Borrowell or Credit Karma.
Read the guide arrow_forwardGDS & TDS ratios
GDS and TDS — the formulas lenders use to calculate how much you can borrow.
Read the guide arrow_forwardDown payment
From 5% to 20%: options, CMHC insurance, FHSA, HBP — what you need to know to optimize your down payment.
Read the guide arrow_forwardEquifax & TransUnion
Learn how the two credit bureaus differ, how to get your free report, and why your scores may not match.
Read the guide arrow_forwardGDS/TDS calculator
Estimate your debt ratios in real time. Enter income and debts to see how you may qualify.
Use the tool arrow_forwardA personal question?
Email us. We reply personally — we’re not selling anything. Just honest help.
Email us arrow_forwardMaximize your down payment
Three well-known Canadian levers to strengthen your upfront money before you talk to a lender. These are public programs — rules change, so always confirm on Canada.ca or with a professional.
FHSA
Tax-free first-home savings: deductible contributions and tax-free withdrawals for a qualifying first home.
Down payment guideHBP (RRSP)
Temporary RRSP withdrawal for your down payment, repaid over 15 years. Know the limits and timing before you withdraw.
See HBP rulesDefault insurance (CMHC)
With less than 20% down, mortgage default insurance is often required. Understand the premium and how it affects your payment.
Down payment & insuranceA path that fits your situation.
Whether you’re buying for the first time or renewing your mortgage, we have the information you need.
First-time buyer
Understand your credit, run your ratios, use the FHSA or HBP. Show up prepared and confident with your lender.
Mortgage renewal
Don’t sign automatically. Understand fixed vs variable rates, check your credit file, and negotiate from a strong position.
How it works
Four simple steps to arrive prepared for your lender meeting.
1. Learn the basics
Read our guides to understand how mortgages work in Canada.
2. Check your credit
Get your report free through Borrowell or Credit Karma and spot areas to improve.
3. Run your ratios
Use our GDS/TDS calculator to estimate qualification before you talk to a lender.
4. Ask questions
Email us with questions. We answer personally — nothing to buy.
Important: HypothequeGo.ca is general information only. We are not a mortgage brokerage and do not provide personalized financial advice. For your specific situation, consult a licensed mortgage broker.
Ready to take the next step?
Start by checking your credit score — it’s free and takes about two minutes.