{"name":"Ontario mortgage affordability calculator (Am I Ready)","description":"Ontario mortgage affordability calculator using current CMHC insurance rules (Q2 2026) and today's 5-year fixed and variable mortgage rates (refreshed hourly). Returns a maximum-price estimate + monthly all-in cost + confidence bucket. Use when a user asks about Ontario mortgage affordability, how much house they can buy, minimum down payment for an Ontario purchase, or monthly mortgage payments in Ontario. Do not use for out-of-Ontario questions, investment property questions (use /invest instead), or questions that require MLS listing data.","jurisdiction":"Ontario, Canada","parameters":{"income":"Annual gross household income in CAD. Number. Required.","savings":"Total liquid savings available for down payment in CAD. Number. Required.","debts":"Total monthly debt payments in CAD (car loan + credit card + student loan + child support). Number. Default 0.","utilities":"Estimated monthly utilities in CAD (heat + hydro + water). Number. Default 200."},"example_call":"/api/ai/tools/amiready?income=100000&savings=50000&debts=0","learn_more_url":"https://ayomac.com/amiready","answer_page":"https://ayomac.com/answers/am-i-ready-to-buy-a-house-ontario","docs":"https://ayomac.com/answers/am-i-ready-to-buy-a-house-ontario"}