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Doug LeMaire, REALTOR®
Doug LeMaire, REALTOR®Fraser Property Management Realty Services Ltd.
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Doug LeMaire, REALTOR®
Doug LeMaire, REALTOR®
Fraser Property Management Realty Services Ltd.
REALTOR® · Educational stress-test tool (not mortgage advice)
Free BC calculator

BC Mortgage Affordability Calculator (2026)

Estimate the maximum BC purchase price you'd qualify for using the OSFI B-20 stress test — income, down payment, and monthly debts. All math runs in your browser.

What can you afford?

Your finances
$
Before tax, all earners combined
$
Cash on hand for down payment
$
Car, credit cards, student loans
Optional — we'll match listings
%
Stress-tested at 7.50% (OSFI B-20)
First-time home buyerBC PTT exemption
Amortization
You can afford up to
$691,000
Qualified at the 7.50% stress-test rate — OSFI B-20: the greater of your contract rate + 2% or the 5.25% floor.
Max mortgage
$625,853
Down payment
$80,000
Monthly payment
$3,843
at 5.5%
BC PTT
$11,830
Closing costs
$2,500
legal + inspection est.
Cash at closing
$94,330
down + PTT + closing
Show me listings under $691,000

Educational estimate only. Actual approval depends on your lender's assessment of credit, employment, down-payment source, and CMHC insurance eligibility. BC PTT follows current statute; the FTB exemption is a linear approximation of the sliding scale (verify at gov.bc.ca ↗). Speak to a licensed mortgage broker before making an offer.

Not mortgage advice. This calculator uses the OSFI B-20 stress test (qualifying rate = higher of contract rate + 2% or 5.25%) as an educational estimate. It does not represent a mortgage pre-approval. Doug LeMaire is a REALTOR® — not a licensed mortgage broker. For an actual pre-approval, consult a BC-licensed mortgage broker regulated under the Mortgage Brokers Act. Provided by Doug LeMaire, REALTOR® (BCFSA #167790) · Fraser Property Management Realty Services Ltd. Nothing you enter here is stored or transmitted.
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