Canadian Mortgage Qualification Platform
Evaluate client mortgage eligibility using Canadian lending standards
Secure Access
Admin-approved agent registration with secure authentication
Qualification Analysis
Calculate GDS/TDS ratios, stress test, and down payment requirements
Client Management
Add, edit, and manage your client portfolios with detailed evaluations
Canadian Mortgage Qualification Rules
1.
GDS Ratio
Maximum 39% (monthly housing costs / gross monthly income)
2.
TDS Ratio
Maximum 44% (housing + other debts / gross monthly income)
3.
Stress Test
Qualify at higher of contract rate + 2% or 5.25%
4.
Down Payment
5% for $500K, 10% for $500K-$1M, 20% for $1M+