Ilczyna Mortgages
Home Readiness Quiz
Free Assessment

Are You Ready to Buy a Home?

11 questions. Under 4 minutes. Find out where you stand — and get a personalized plan to get you there.

Free — no cost ever
4 min to complete
Includes free 12-week roadmap
Your Progress Question 1 of 11
Question 1 of 11
What is your current employment situation?
Full-time — 2+ years with same employer
Full-time — less than 2 years or recently changed jobs
Part-time, contract, or seasonal
Self-employed — 2+ years with documentation
Self-employed — less than 2 years
Not currently employed
Question 2 of 11
What is your total household income before taxes?
Include all applicants who will be on the mortgage. Best estimate is fine.
$
Annual amount before tax
Question 3 of 11
What are your total monthly debt payments?
Include car payments, credit card minimums, student loans, lines of credit, child support. Enter 0 if you have none.
$
Monthly total — enter 0 if no monthly debt payments
Question 4 of 11
What price range are you looking to buy in?
Your best estimate — this helps check if your income and savings are on track for your goal.
Under $400,000
$400,000 – $550,000
$550,000 – $750,000
$750,000 – $950,000
Over $950,000
Not sure yet
Question 5 of 11
Are you looking at a condo or a freehold property?
Condo — I'll likely have monthly condo fees
Freehold — house, townhouse, or similar
Not sure yet
Question 6 of 11
How much do you have saved for a down payment right now?
Include TFSA, FHSA, RRSP, savings accounts, or a confirmed family gift.
$
Total saved today — your best estimate is fine
Question 7 of 11
What is your credit score?
Check Borrowell, Credit Karma, or your bank app — it's free and doesn't affect your score.
750 or above — excellent
720 – 749 — very good
680 – 719 — good
650 – 679 — fair
620 – 649 — minimum qualifying range
Below 620
I haven't checked recently
Question 8 of 11
Where are you currently living?
With family — rent free
With family — contributing to household expenses
Renting with roommates
Renting on my own or with a partner
Other
Question 9 of 11
Are your CRA income taxes filed and up to date?
Yes — all years filed, no outstanding balance
Filed but I owe a balance
One or more years not filed yet
Not sure
Question 10 of 11
When are you hoping to buy?
As soon as possible — within 3 months
3 – 9 months from now
9 months – 2 years from now
More than 2 years from now
🏠

Almost there.

Enter your details below to see your readiness score and a personalized plan.

🔒 Your information is private and will never be shared or sold.
Matt Ilczyna — Mortgage Agent  |  BRX Mortgage  |  FSRA Lic. #13463
289-440-3354  ·  matt@ilczynamortgages.ca  ·  ilczynamortgages.ca

This tool provides general educational information only and does not constitute mortgage advice, an approval, or a commitment to lend. Results are estimates based on the information provided.