Mortgage Stress Test Calculator Canada 2026
Check whether you pass Canada's mortgage stress test — qualify at the greater of your contract rate plus 2% or 5.25% — and see the maximum mortgage it allows.
Check if you qualify for a mortgage under Canada's stress test rules
Enter your financial details to see if you pass the stress test
This calculator provides an estimate based on federal stress test requirements. Lenders may have additional criteria. Consult with a mortgage professional for personalized advice.
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