HELOC borrowing power calculator
Estimate the largest home equity line of credit (HELOC) you could ask for based on your home's value and what you already owe against it.
Mortgage rules last reviewed: September 29, 2026
- 80% of home value (total borrowing cap)
- $800,000
- 65% of home value (HELOC cap)
- $650,000
- Cap that applies
- 80% total borrowing cap
- Current borrowing against the home
- 45.0% of value
For illustration only. Not a rate quote, approval or pre-qualification.
How this is calculated
- In Canada, all borrowing against your home is generally capped at 80% of its value, and the revolving HELOC part at 65%.
- You must still qualify for the payment, including the stress test, and lender policies vary. This is an estimate, not an approval.
Calculator disclaimer
Calculators are provided for general informational and illustrative purposes only.
Results are estimates and may not reflect lender-specific qualification requirements, mortgage-insurance premiums, taxes, fees, available products, payment calculations or other transaction costs.
Calculator results do not constitute:
- Mortgage approval
- Pre-approval
- A rate commitment
- A lending commitment
- Financial advice
- Tax advice
- Or legal advice
Mortgage rules, rates and lender requirements can change.
For advice about your specific circumstances, speak with the appropriate licensed professional.
But how does this apply to your business income?
This calculator estimates the numbers you entered. How a lender treats your salary, dividends or business income is a separate question, and it's the one the Mortgage Readiness Review looks at first.