New for 2026
First-Time Home Buyer Navigator
Canada's Dec 2024 insured-mortgage update raised the cap to $1.5M and lets first-time buyers and new-build buyers amortize over 30 years. Enter your numbers and we'll run the full stress-tested affordability, stack your FHSA + RRSP HBP, and surface the best available rate.
What changed for 2026?
- $1.5M insurable cap — purchases between $1.0M and $1.5M are now insurable for first-time and new-build buyers with <20% down.
- 30-year amortization — first-time buyers of any home, plus any buyer of a new-build home, can amortize an insured mortgage over 30 years instead of 25.
- FHSA + RRSP HBP stacking — the tool counts up to $40K of FHSA and up to $60K of RRSP HBP alongside your cash savings.
Related: classic affordability calculator · rate-stress simulator.
Estimates use 2026 CMHC rules, OSFI stress-test math, and live rate-sheet data. Final qualification depends on a licensed broker's review of your full financial profile.