Mortgage stress test

Could you actually afford it if rates rose? Find out in two minutes.

Canadian lenders qualify you at your contract rate plus 2% (or 5.25%, whichever is higher). This tool runs the same OSFI stress test on your numbers, and shows you the highest home price you would actually qualify for.

Before you use the guide or tool

These pages are designed to reduce decision fatigue by giving you a clearer frame before acting.

Important: estimates only

The stress-test results shown are calculated from the inputs you provide using the federally mandated qualifying rate at the time this tool was last updated. They are estimates for general information only and are not a lender pre-approval, loan offer, or financial advice. Lenders apply their own underwriting policies; real-world qualification depends on your full credit profile, income documentation, debt servicing ratios, the property, and policies that change over time. Confirm with a licensed mortgage broker or your lender before making any decision.