# Mortgage Capacity Planning Calculator — Canada

> Separate a regulatory ceiling from lender affordability. Irish principal-residence LTI/LTV rules are sourced; Canadian affordability here uses explicitly entered lender limits rather than claiming a national income multiple. CAD planning view; stated limitations apply.

Page: https://askcalculators.com/ca/mortgage-eligibility/
Definition: https://askcalculators.com/ca/mortgage-eligibility/definition.json
JSON Schema: https://askcalculators.com/ca/mortgage-eligibility/schema.json
Version: 20.16.0
Maintained by: AskCalculators (software project; not a credentialed reviewer)
Qualified review: pending. Automated checks do not establish professional approval.
Page status: Live
Review status: Pending

## Use
Open the calculator page and enter values. Query-string parameters can restore and bookmark a calculation.
Example: https://askcalculators.com/ca/mortgage-eligibility/?income=80000&price=350000&deposit=70000&buyer=first&incomeMultiple=3.5&maxLtv=80&lenderCap=0

## Inputs
- income: Annual gross household income; type=money; required; default=80000; min=0; max=1000000000000
- price: Property price; type=money; required; default=350000; min=0; max=1000000000000
- deposit: Cash deposit; type=money; required; default=70000; min=0; max=1000000000000
- buyer: Irish borrower category; type=select; required; default=first; values=first|repeat|investment
- incomeMultiple: Other verified lender income multiple; type=number; required; default=3.5; min=0; max=10
- maxLtv: Other verified lender maximum LTV; type=percent; required; default=80; min=0; max=100
- lenderCap: Separately underwritten affordability cap (zero means not assessed); type=money; required; default=0; min=0; max=1000000000000

## Outputs
- requested: Requested loan; format=currency
- ruleCap: Modeled rule-based loan cap; format=currency; primary
- gap: Deposit shortfall against modeled cap; format=currency

## Formula
Cap = min(income × multiple, property value × LTV, positive entered lender cap).

Inputs are converted to canonical units before evaluating this stated formula.

## Rules
- Empty optional inputs are undefined, not zero.
- Hidden conditional inputs are ignored.
- Do not invent missing required inputs.

Notice: Illustrative defaults are not local quotes or verified legal rules. Dated reference components and user-entered assumptions are explicitly distinguished. Professional review is pending.