Free AI Mortgage Stress-Test
Know if you qualify before you talk to a bank. OSFI/CMHC-compliant GDS & TDS analysis powered by live Bank of Canada rates plus AI mortgage advisory.
Property
Income, Debts & Credit
More accuracy depends on real data. Estimated fields lower your score — enter exact numbers to raise it.
Pulling live data & calculating...
This takes a few seconds
- Bank of Canada overnight rate
- 5-year bond yield (benchmark proxy)
- Municipal property tax rate
- Regional heating cost estimate
- GDS / TDS stress-test calculation
- AI analysis
Monthly Breakdown (stress-test basis)
| Mortgage payment (at qualifying rate) | — |
| Property tax | — |
| Heat / Utilities | — |
| Total obligations | — |
🎚️ What-If Scenarios drag to recalc instantly
🏦 Lender Comparison same application, different lenders
Rates are typical category spreads vs your base rate — confirm live quotes with each lender. B-lenders qualify on the contract rate (no +2% stress test), which is why declined borrowers often qualify there.
🔮 Renewal Shock Stress-Test payment at renewal in ~5 years
Credit Assessment
AI Advisor
AIGet your bank-ready PDF report
A clean, branded one-pager with your verdict, GDS/TDS, max affordability, lender comparison & renewal projection — take it to your bank or broker. Downloading the PDF costs 1 credit.
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Describe Your Situation
Type it in plain English or fill the structured form — income, price, down payment, debts, credit score, city.
Live Data Pulled
Bank of Canada rates, municipal property tax, and StatCan heating costs feed the calculation automatically.
OSFI Stress-Test Run
Qualifying rate, CMHC premium, and GDS/TDS ratios computed per OSFI B-20 rules with Canadian mortgage math.
AI Advisory Delivered
A clear pass/warn/fail verdict plus personalized, actionable advice from an AI mortgage advisor.
Free AI Mortgage Stress-Test for Canada
Find out if you pass the Canadian mortgage stress test before you ever apply. This free mortgage stress-test calculator runs OSFI B-20 qualifying-rate math, estimates your CMHC premium, and computes your GDS and TDS ratios using live Bank of Canada rates — then an AI mortgage advisor explains your result in plain English. Whether you're buying in Calgary, Edmonton, Toronto, Vancouver, or anywhere in Canada, you'll know where you stand in minutes. No sign-up, no credit check, no sales calls.
Why use this free mortgage stress-test calculator?
- OSFI B-20 qualifying rate — qualifies you at the greater of your contract rate plus 2% or the 5.25% minimum, exactly as Canadian lenders do.
- GDS / TDS affordability check — your Gross and Total Debt Service ratios scored against the ~39% and ~44% limits, with a clear pass, warn, or fail verdict.
- CMHC premium estimate — automatic mortgage default insurance estimate when your down payment is under 20%.
- Live Canadian data — Bank of Canada rates, municipal property tax, and heating-cost estimates feed the calculation so it reflects 2026 conditions.
- AI mortgage advisory — personalized, actionable steps to improve approval odds: pay down debt, raise your down payment, or extend amortization.
Who is this mortgage calculator for?
First-time homebuyers checking affordability, buyers comparing a 25- vs 30-year amortization, self-employed applicants, anyone renewing or refinancing, and homeowners testing how a rate increase would affect their payments. Use it before talking to a bank or mortgage broker so you walk in already knowing your numbers.
Frequently asked questions
Is this mortgage stress test really free?
Yes. You can run the full OSFI/CMHC stress test, see your GDS and TDS ratios, and get AI advice for free. No sign-up and no hidden charges.
What is the Canadian mortgage stress test?
Under OSFI B-20, lenders qualify you at the greater of your contract rate plus 2% or the 5.25% minimum qualifying rate. It proves you could still afford payments if interest rates rise.
What are GDS and TDS ratios?
Gross Debt Service is housing costs divided by gross income (limit ~39%). Total Debt Service adds all other debts (limit ~44%). Both must pass to be approved for a mortgage in Canada.
Do I need CMHC insurance?
If your down payment is under 20%, CMHC mortgage default insurance is required and the premium is added to your mortgage. The tool estimates it from your down payment automatically.
Does it use real Bank of Canada rates?
Yes. It pulls live Bank of Canada rate data plus municipal property tax and heating estimates, so your stress test reflects current 2026 conditions, not generic averages.
Will this affect my credit score?
No. This is an educational calculator — there's no credit pull and no lender involved. It simply applies the same math Canadian banks use so you can self-assess privately.
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