See how the qualifying rate compares to your contract terms under OSFI rules.
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Used for context only; stress test always uses full amortization.
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.
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.
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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.