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Maximum mortgage at different rates
What this is
If your monthly budget is fixed, what mortgage size can it support across different rates?
Locks in a maximum monthly payment, then shows the principal that payment supports as posted rates ladder from 3.49% to 6.99%. Useful when rate-shopping or stress-testing renewal.
| Posted rate | Max principal | vs current |
|---|---|---|
| 3.49% | $641,613 | +16.5% |
| 3.99% | $608,969 | +10.6% |
| 4.49% | $578,749 | +5.1% |
| 4.99% | $550,741 | 0.0% |
| 5.49% | $524,754 | -4.7% |
| 5.99% | $500,616 | -9.1% |
| 6.49% | $478,170 | -13.2% |
| 6.99% | $457,275 | -17.0% |
Each row uses Canadian semi-annual compounding over your chosen amortization. A 1% rate move on a 25-year amortization changes affordable principal by roughly 10%.
Disclaimer
Educational, not financial advice. Output is generated by an AI assistant using simplified assumptions. Tax rates, contribution limits, and benefit amounts change annually; confirm with a CFP, CPA, or the relevant Canadian regulator (CRA, FSRA, OSC, IIROC) before acting.