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Mortgage Stress Test Calculator

Check if you pass the OSFI stress test and find your maximum qualifying mortgage amount.

Stress Test Calculator

How the Stress Test Works

OSFI requires all federally regulated lenders to qualify you at the higher of your contract rate plus 2%, or 5.25%. Your GDS ratio must be below 39% and TDS ratio below 44%.

Frequently Asked Questions

Lenders must qualify you at the higher of your contract rate plus 2%, or 5.25%, to ensure you can handle rate increases.

GDS (Gross Debt Service) is housing costs as a % of gross income. TDS (Total Debt Service) adds all other debts. Max: 39% GDS and 44% TDS.

Since November 2024, borrowers renewing at a different lender are exempt from the stress test.

Lenders typically use base salary, guaranteed bonuses, and rental income at a haircut. Requirements vary by lender.