This professional-grade Alberta Mortgage Calculator is designed to provide home buyers in Calgary, Edmonton, and throughout the province with the same "Stress Test" data used by wholesale lenders. Unlike basic retail calculators, our tool accounts for GDS (Gross Debt Service) and TDS (Total Debt Service) ratios to ensure you stay within federally regulated qualifying limits.
Underwriting Reality Check: In Canada, lenders calculate your LTV (Loan-to-Value) ratio based on the lower of the purchase price or the appraised value. Our tool accounts for this specific nuance to prevent surprises during the final approval stage.
Wholesale Savings: By visualizing accelerated payment frequencies, you can see how switching from monthly to Accelerated Bi-Weekly payments can shave years off your amortization and save tens of thousands in interest. Ready to secure your wholesale rate hold? Book a consultation today.