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
Calculator uses the Canadian semi-annual compounded mortgage convention and the federal stress-test rule (the greater of contract+2% or 5.25%). 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 Monte Carlo on your actual budget.
Real estate services are provided by Moji Dargahi, licensed real estate professional with [Brokerage Name]. HOMS Group is a registered trade name; HOMS Group Corp. is a marketing and technology company and is not a licensed real estate brokerage. Tool outputs are estimates for informational purposes only and do not constitute an appraisal or financial advice.