See how the qualifying rate compares to your contract terms under OSFI rules.
Save + compare
Create a free account to save scenarios, compare options, and share results with your broker team.
Used for context only; stress test always uses full amortization.
Compare contract payments to qualifying stress test payments using OSFI guidelines.
Check your qualifying rate using the Minimum Qualifying Rate or contract-plus-buffer rules.
Use it to understand how stress-test rules affect affordability.
5% contract rate
See your qualifying rate and resulting max mortgage.
Higher income scenario
Add income to see how qualifying power changes.
Save and compare scenarios
Create a free account to save scenarios, compare options side by side, and share results with your broker team.
It applies when switching lenders or increasing the loan amount.
Rules can differ. Confirm with your broker team.
Use the contract-plus-buffer calculation for estimates.