Mortgage Stress Test Calculator (Canada)
Lenders must check that you could still afford your payments at a higher rate: the greater of your contract rate plus 2 percentage points or 5.25%. This calculator shows your payment at that qualifying rate and your debt-service ratios against the published guidelines.
Calculator
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This mortgage passes the stress test at the debt-service guidelines.
Qualifying rate
6.12%
Payment at qualifying rate: $3,622.96
Largest mortgage that passes
$670,575
At the qualifying rate and the GDS/TDS guidelines
| Measure | Value |
|---|---|
| Payment at your rate | $2,982.26 |
| Payment at qualifying rate | $3,622.96 |
| GDS | 33.3% (guideline 39%) |
| TDS | 36.5% (guideline 44%) |
Estimate only, based on the published rules listed below. Lenders, insurers and tax authorities apply their own criteria.
How the stress test works
- Qualifying rate: the greater of your rate plus 2 percentage points or 5.25%. It applies to insured and uninsured mortgages, and when you refinance or switch lenders.
- GDS: housing costs (principal and interest at the qualifying rate, property tax, heating and half of condo fees) divided by gross monthly income. The guideline is 39%.
- TDS: GDS costs plus all other debt payments, divided by gross monthly income. The guideline is 44%.
If you don't pass
A larger down payment, a longer amortization where allowed, paying down other debts or adding a co-borrower's income all lower the ratios. Lenders can apply stricter limits.
Frequently asked questions
Does the stress test change my actual rate?
No. You pay your contract rate. The qualifying rate is only used to check that you could still afford payments if rates rose.
Sources
Rules are summarized in our own words from official publications. Check the source and talk to your lender or a licensed professional before making a decision.
Informational only, not financial advice. Data as of the release snapshot generated 2026-11-14.