Sliding-Scale Calculator (how much a lender lends on a high-value home)
Some lenders do not lend one loan-to-value on an expensive property. They lend a set percentage on each slice of the value, less on each slice above a threshold. Enter the property value and your tiers: each tier starts where the one before it ends, you set where it goes up to and its percentage, and the page adds them up.
Lending tiers
- Tier 1
- Tier 2Property valueFrom $2,000,000 and above
Have a high-value property?
Every lender draws its own lines: where each tier starts and how much it lends in each. Send us the property and we will tell you which lenders' scales fit it, and what they will actually lend.
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What these terms mean
- Sliding scale
- A way of lending where the percentage the lender advances drops as the property value rises: for example 80% of the value up to $2,000,000 and less on the value above it. The figures on this page are an example you can change, not any lender's policy.
- Tier
- One slice of the property value with its own lending percentage. Each tier starts where the one before it ends; the last tier covers everything above.
- Loan-to-value (LTV)
- The mortgage divided by the property value. Effective LTV is that ratio for the total the tiers add up to, so a sliding scale gives one LTV for the whole property even though each tier lends its own percentage.
Common questions
What is a sliding-scale mortgage?+
A way some lenders size the mortgage on a higher-value property: instead of one loan-to-value for the whole price, they lend a set percentage on each slice of the value, and the percentage drops on the slices above each threshold. The more expensive the property, the lower the share of it the mortgage covers.
How is the sliding-scale mortgage worked out?+
Each tier lends its percentage on the part of the property value that falls inside it, and the tiers are added up. With this page's example, a $3,000,000 property at 80% up to $2,000,000 and 50% above it gets $1,600,000 + $500,000 = $2,100,000, an effective loan-to-value of 70%.
Where does each tier start?+
Where the one before it ends. Tier 1 runs from $0 up to the amount you enter; Tier 2 starts at that amount and runs up to the next one you enter; the last tier covers all of the value above. Add up to four tiers.
Are these a real lender's tiers?+
No. The tiers on this page are an example you can change. Every lender sets its own thresholds and percentages, and we check your property against the lenders' actual scales before you rely on a number.
Buying or refinancing a high-value home? See high net worth mortgages · equity take-out calculator · affordability and stress test.
Every calculator here is built on published Canadian government rules and lender methodology. This one was built and checked for accuracy on November 6, 2026. Rates and thresholds change — we confirm the current numbers for your file before you rely on them.