Stress-test your purchase before the bank does.
Runs the OSFI B-20 stress test, the Canadian semi-annual compounded payment, and your GDS/TDS ratios — in real time, on your numbers.
At the contract rate
At the stress rate
Rate sensitivity
| Rate | Monthly P&I | Δ vs today |
|---|---|---|
5.29% Today | $6,393 | |
5.79% +0.5% | $6,748 | +$355/mo |
6.29% +1.0% | $7,112 | +$718/mo |
6.79% +1.5% | $7,482 | +$1,089/mo |
7.29% +2.0% | $7,860 | +$1,466/mo |
Calculator uses the Canadian semi-annual compounded mortgage convention and the federal stress-test rule (the greater of contract+2% or 5.25%). Down payments under 20% add CMHC mortgage-default insurance, financed into the principal (BC PST on the premium, payable upfront, is not shown). Estimates only; not financial advice or a pre-approval.
Why the stress test matters
Federally-regulated lenders qualify you at the greater of your contract rate + 2% or 5.25%. If your debt-service ratios don't pass that, your real budget is lower than your contract rate suggests.
GDS & TDS
GDS = shelter ÷ gross income. TDS = (shelter + other debt) ÷ gross income. Most lenders cap GDS near 39% and TDS near 44%.
What this doesn't cover
CMHC insurance premium calculations, FTHB incentives, B-lender qualification. Book a consult and we'll run the full numerical simulation on your actual budget.
HOMS Real Estate Services Corp. is a technology, intelligence and multidisciplinary services company and is not a licensed real estate brokerage. Licensed real estate trading services are provided by Moji Dargahi, licensed real estate professional withRoyal Pacific Realty Corp.. Tool outputs are estimates for informational purposes only and do not constitute an appraisal, recommendation, financial advice or legal advice.