Mortgage stress test
Mortgage Stress Test Calculator
See the qualifying rate for the Canadian mortgage stress test and the maximum mortgage you could qualify for using GDS and TDS limits.
Car, student and personal loans, 3% of credit card balances.
50% is counted.
Qualifying (stress-test) rate
6.50%
Maximum mortgage
$515,061
Approx. maximum price
$615,061
You qualify at 6.50% — the higher of your rate + 2% or 5.25% — but you'd actually pay about $2,851 a month at 4.5%. Housing costs (GDS) are the limiting factor.
Uses the OSFI minimum qualifying rate and the common GDS 39% / TDS 44% limits (mortgage insurers' maximums). Lenders may use stricter limits. With less than 20% down you'll also pay mortgage default insurance, and minimum down payments and amortization limits apply. An estimate, not a pre-approval.
Sources · figures checked 2026-09-24
