Mortgage Stress Test
Stress Test Calculator
Test your mortgage qualification at higher rates to ensure you can handle potential rate increases.
Mortgage Stress Test
2.00%
OSFI minimum is 2%. Adjust to test different scenarios.
Stress Test Results
Stress Test Rate
7.35%
Your rate + 2.00% buffer (min 5.25%)
Monthly Payment (Stress)
$4,740
At stress test rate
GDS Ratio
50.9%
Max 39%
TDS Ratio
55.9%
Max 44%
Fails Stress Test
You may need to reduce the mortgage amount or improve your financial position