Mortgage Stress Test Calculator (Canada)

    See if you qualify under Canada's mortgage stress test rules (OSFI B-20).

    $
    $50,000$5,000,000

    Enter the price of the home you want to buy

    $
    $0$2,500,000

    Your available down payment

    $
    $30,000$500,000

    Combined annual income before taxes

    $
    $0$10,000

    Car loans, credit cards, student loans

    %
    0.99%12%

    Rate quoted by your lender

    years
    5 years30 years

    Mortgage term length in years

    Stress Test Result

    0

    Stress Test Rate

    6.50%

    GDS Ratio (Max 39%)

    44.39%

    TDS Ratio (Max 44%)

    50.39%

    Stress Test Payment

    $3,132.62

    Actual Monthly Payment

    $2,578.78

    Stress Test Rate6.50%
    GDS Ratio (Max 39%)44.39%
    TDS Ratio (Max 44%)50.39%
    Stress Test Payment$3,132.62
    Actual Monthly Payment$2,578.78

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    Rate source: OSFI (Office of the Superintendent of Financial Institutions)
    Data from Official Sources:BoC•OSFI