Instant pre-qualification
Four simple inputs, your estimate shows immediately: borrowing capacity range, potential purchase price, and which lender categories (A banks, B banks, monolines) likely fit your profile. No credit score needed. No email to see the result.
Your name and phone number are NOT shared with brokers until you accept a match. The Courteo network only sees your need profile (city, amount, project type). How it works.
Four simple inputs — no email, no login. You see the estimate immediately.
Car loan + credit card minimums + lines of credit + student loans. Estimate is fine.
Estimated borrowing capacity
$386,000 – $497,000
Range based on Canadian standard ratios.
Potential purchase price
$426,000 – $537,000
Borrowing capacity + your available down payment.
Likely lender categories for your profile
These are the categories an AMF-licensed mortgage broker will most likely match your profile with. The actual chosen lender grid can move the picture.
A banks
RBC, BMO, TD, National Bank, Scotia, CIBC, Desjardins
B banks
Equitable Bank, B2B Bank, Home Trust
Clean profile — A banks direct
Stable salaried income + low debts. You will likely pass qualification at most major lenders without friction. The question becomes: which lender gives you the lowest rate accessible for your profile.
This estimate uses Canadian standard ratios (OSFI B-20). Your real potential will be refined by an AMF-licensed mortgage broker from the Courteo network.
No login · no email · no credit scoreMost mortgage comparators ask for an email and a phone before showing any number. That is lead capture, not a useful tool. Courteo takes the opposite stance: you see your estimate right away, and decide afterwards whether you want to start a full file.
In practice: you enter your income, employment status, monthly debts and down payment. The tool applies a borrowing-capacity multiplier (4× to 4.5× income depending on profile, per Canadian standard OSFI B-20 ratios), adjusts for your debts, and shows you an honest range. Not a magic number — a range.
A salaried employee with low debts can borrow up to 4.5× gross annual income at an A bank. A self-employed borrower with two years of statements typically gets 3.8×–4.2× depending on the lender. Above 25% debt/income, the multiplier drops near 3.0× and the file sits outside the standard A-bank grid.
Monthly debts (cards, lines, car loan, student loans) weigh on TDSR — the ratio Canadian lenders look at first. We subtract them from gross capacity to get a realistic capacity.
Clean profile → A banks direct + B banks. Edge profile (self-employed OR debts 10-25%) → B banks and monolines. Tight profile (debts >25% OR self-employed with debts) → monolines and private lenders. These are LIKELY categories — the actual chosen lender grid always makes the final call.
Borrowing capacity + your available down payment. A useful estimate to frame your search — not a formal bank pre-approval.
The full form (≤ 5 min) lets a Courteo coordinator prepare your file before connecting you with an AMF-licensed mortgage broker from our network. You can withdraw consent anytime.