Stress test calculator
See how the qualifying rate compares to your contract terms under OSFI rules.
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- Save unlimited scenarios and track changes over time
- Compare rate options side by side with broker feedback
- Export reports for underwriting or renewal planning
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Interactive calculator
Stress test qualifier
Compare contract payments to qualifying stress test payments using OSFI guidelines.
How this calculator works
Check your qualifying rate using the Minimum Qualifying Rate or contract-plus-buffer rules.
Use it to understand how stress-test rules affect affordability.
Inputs you will need
- Contract rate and term
- Income and debts
- Amortization length
Assumptions and limitations
- Uses OSFI qualifying rules for uninsured mortgages.
- Lender policies may vary for insured loans.
- Results are estimates, not approvals.
Example scenarios
5% contract rate
See your qualifying rate and resulting max mortgage.
Higher income scenario
Add income to see how qualifying power changes.
Related tools
Turn this purchase result into a plan
Pair the calculator output with the right buyer guide, then pressure-test lender fit, down payment, and closing-day cash before you make an offer.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
Save and compare scenarios
Create a free account to save scenarios, compare options side by side, and share results with your broker team.
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Frequently asked questions
Is the stress test required for renewals?
It applies when switching lenders or increasing the loan amount.
Does it apply to insured mortgages?
Rules can differ. Confirm with your broker team.
What if my rate is variable?
Use the contract-plus-buffer calculation for estimates.