Stress-test your purchase before the bank does.
Runs the OSFI B-20 stress test, the Canadian semi-annual compounded payment, your GDS/TDS ratios and the cash you need to close — in real time, on your numbers.
First-time buyers and buyers of new builds may amortize an insured mortgage over 30 years and may qualify for BC property transfer tax and federal GST relief. Eligibility has residency and occupancy conditions this calculator does not check.
At the contract rate
At the stress rate
Cash to close
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 does not charge PST on the premium. Transfer-tax and GST relief use the published thresholds as of 2026-09-20. 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, where shelter is the mortgage payment, property tax, heat and half the strata fee. TDS = (shelter + other debt) ÷ gross income. Most lenders cap GDS near 39% and TDS near 44%.
What this doesn't cover
Eligibility conditions for the first-time buyer and new-build programmes (residency, occupancy, prior ownership), B-lender and private qualification, and lender-specific ratio policies. 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 with Royal Pacific Realty Corp.HOMS is not an engineering firm: analysis outputs are preliminary screening estimates for informational purposes and are not sealed engineering documents. Tool outputs are estimates for informational purposes only and do not constitute an appraisal, recommendation, financial advice or legal advice. Fit results compare listing data with numbers you enter; they are not a pre-approval.