Mortgage Stress Test
Qualifying rate
Qualifying rate
7.25%
rate + 2% or 5.25%, whichever is higher
Max mortgage ≈
$470,388.45
based on 39% GDS
Canadian B-20 stress test uses your contract rate +2% or the Bank of Canada qualifying rate. Estimate only.
100% private
Runs in your browser — files don't leave your device.
Fast & free
Instant results, no signup required.
No upload
All processing happens on your device.